I use a gel mask, it covers the nose only. It's what I used the night of the sleep study. Mine is a small but I would like to see if a petite would have a better fit. Here is what it looks like:
http://www.cpap-supply.com/ComfortGe...-p/1009040.htm

My sleep study was different than yours. Once the lady who did the sleep study saw enough evidence of sleep apnea she woke me and put me on a CPAP. I went back to sleep and she was able to adjust the machine (from her office) to the correct setting.

I'm sorry you may have trouble with your insurance company. Mine (United Healthcare) approved what was needed.