My doctors have known all along that I am not in a position to take months off my p/t work for a transplant, nor do I have the support needed for the bed-ridden 'house-arrest, as it's sardonically called

Two weeks ago my UCSF onc advised me that the time had come to prepare for harvesting my stem cells before the Revlimid makes it harder.
I spent a lot of time researching cheap hotels near UCSF since I live too far to commute for 5 days, even making arrangements to free up the assigned week in June with my part-time work.
Today, after my second attempt to reach their stem cell transplant coordinator, I finally received a rude, very rushed phone call from her indicating that she had researched the stem cell storage issue with Medicare, and they won't cover it unless the harvesting is immediately followed by transplantation!!!!
So unless I have 40K to spare, I need to decide to forgo the harvesting or go with the transplant. This was totally unexpected and a huge shock, but she barely left me time to respond, so cold and uninterested in patient relations, apparently.
After recovering from the bad news I decided to put out this post to find out if others have come up against this insurance problem.
The good news is that I've been responding well to targeted treatment, and maybe I'll never need that very expensive transplant ever ?
I'm 59 and was dx'd with IgG Kappa light chain 12 mos ago, but not treated until 6 mos ago.
My bone marrow biopsy now shows 5% plasma...down from 35% 11 mos ago...which means the Velcade, Dex and Rev have been working well, tho my Kappa light chains are still slightly elevated at 600 ....down from 1500mg/L 9 mos ago.
I feel like telling my onc to just treat me with ongoing targeted chemo as long as my numbers respond.
I am VERY fatigued (sleep all weekend) and I suspect the Rev, since it came on after that was added to the regimin 3 mos ago. But even a transplant can't guarantee a fatigue-free remission of more than 18 mos or so, I believe.
Any thoughts or related experiences will be much appreciated, as you can guess...this can be a lonely journey, with admin difficulties just adding to the hair-pulling

Thanks to you all.