I was/am a very active person too. The past year has been a nightmare for me being stuck in a wheelchair for most of it and unable to leave the house one my own for the rest of it. I finally have some freedom back now with the walker and have been able to improve my endurance and strength enough to go out for stretches of time.

I'm not sure where you work (big company, small, etc)...but you do have a permanent disability. Have you considered asking for accommodations for your disability? You would qualify under the ADA I think (unless your employer is very very small) and one thing that has been considered a reasonable accommodation is unpaid leave unless they can show that it would cause the business undue hardship to grant it. At the very least, they are legally obligated to engage with you in an active discussion about what sorts of accommodations they might be able to make. Maybe there would be some adjustments they could make to the work environment or the WAY you do your job that could make it easier for you (like additional breaks or whatever). Not knowing what you do it's hard to come up with something more specific to your situation...but there are lots of things that you are entitled to under the ADA that lots of people don't know much about. But you have to ask for the accommodations...at least start the dialogue...and that may provide you some relief in stress and worry about your insurance and stuff. Unpaid leave wouldn't help financially...but it would protect your job and your benefits while you undergo necessary treatment so you can focus on your health. We all know how stress can make things even worse for us so even taking that one burden off your mind could be really good for you.