I have owned a SmartVest since 2011. I cannot speak highly enough of the company AND the positive improvement to my health and day to day life. I too was scared of insurance not covering the product after my pulmonologist ordered it for me. Call them. Tell them about your insurance coverage and see what they say. Their generosity with me moved me to tears. And I am not a crier. My life improved significantly with this machine. The SmartVest has kept me out of the hospital as well.