I'm new to this board but just wanted to let you know that I'm thinking of you. I work in the insurance industry and it is just heart breaking what some people have to go through. Even if you are covered, the stress can be so overwhelming. There are some horrible people out there who just don't care about other people's belongings.
Don't worry about the sleep apnoea session. My H2B had to have a couple of sessions at the Repat and it is nothing to worry about, although, the $75 is definately something you don't need.
Please, take care of yourself and baby.
Hope today is a better day for you,