Need to verify this, but under the Affordable Care Act-- effective January 1st. , insurers will no longer be able to reject people or charge higher rates because of pre existing conditions. And most plans won't be able to impose annual or lifetime caps on coverage. Also, everyone including young and healthy must have health insurance or face a penalty. Don't know if this would enter or help with your decision making but thought I'd mention it.
Also, I would definitely check with current insurance company to see if they would even pay for it. Previous forum members had insurance pay for all (within insurance limits) except they did NOT pay for the device itself. ( I'm still trying to figure their logic on that).