I experience sleep attacks and cataplexy, and meet all diagnostic criteria for narcolepsy except for early-onset REM (which was absent on my MSLT).

My doctor nonetheless stated that while he believes I have narcolepsy, he was required to write idiopathic  hypersomnia as my official diagnosis, due to the REM issue.  He explained that due to the fact I take an anti-depressant  (Zoloft), my REM was suppressed.  Consequently, my insurance, Independence Blue Cross/Blue Shield, was unwilling to cover the modifinal that my doctor prescribed stating that its use for idiopathic hypersomnia is "experimental."  My sleep specialist went through two rounds of peer-to-peer reviews and my modifinal was STILL denied.   Afterward, I filed an appeal and the denial of coverage was upheld.  I am at a loss for what to do.  I contacted Teva but they don't offer financial assistance for modifinal.  Does anyone have recommendations for how to proceed? I could do a second MSLT off of Zoloft, but I have bad anxiety/depression and I can't afford to go back to the way I was before I started on Zoloft - not being able to work, and experiencing frequent panic attacks.  Not to mention the fact I still owe  $3,000 from my last MSLT (my insurance made me pay a third of the cost out of pocket).  Paying for a second MSLT is out of the question right now.  Any suggestions you have are greatly appreciated.