My daughter Josie is two and has had multiple laser treatments on her facial Port Wine Stain. I am a teacher, and my husband works at Home Depot, so we do not have a lot of money, but insurance has helped to pay for the treatments.
I second what Missy said: Get the insurance company and doctor's office insurance person on the phone. Ask specific questions about coverage. The doctor's office should be able to guide you in this.
My daughter has had her treatments under GA, starting at 3 months old. She still LOVES to go the doctor, and she is a sweet and happy girl. She seems completely unaffected by the treatments. I definitely think it was harder on me!
Please feel free to ask me any questions!