Spot on, Corinne!
We do have someone to help guide you as well. http://birthmark.org/experts.php
It is worth posting your insurance issues in forums such as this and the one on MSN. Many times, if you will post your insurance company's name, someone will have experience with that particular company's policy.
Also, if you have gotten your insurance company to cover treatments, we would like to know. It will help so many other parents in similar situations. You can write to firstname.lastname@example.org
with any info and I'd encourage everyone to keep copious records.