Me too actually. Read your post and I think I have at least an idea of how you feel. It sucks when you get an ultimatum. It feels as if you don't have the freedom to decide for yourself anymore. Luckily I also noticed that you're not against another kind of treatment. But then you're faced with this money problem. Although I think it's after all still better than in case you wouldn't want any other treatment and that would cause you to lose your T too.
Even though a solution may not be present at this very own moment, I'm sure that if you explain this to your T and mention that you understand the importance of this ultimatum, you'll find a way out of there.

Please let us know how you're doing.