Sara, because you live in CO you may be able to get heip for therapy without insurance. A couple people mentioned here that you could go to a gym and possibly do stretching and strenghtening exercises there that would be much more inexpensive than paying for rehab therapy. You should contact a few places in your area and explain your situation and ask if they would give you a discount, or let you use their facilities free during off peak hours. It would make them look good and get you the exercise you need. You can also call a nurse line at Craig Rehab where they will answer questions about anything. Info about it is here - http://www.craighospital.org/InfoResources/adviceNurse.asp. They could give you an idea of the exercises and stretching that would be best for you. Ask them if there's any chance they would consider offfering you an opportunity to use their facilities - hey why not take a chance? Maybe they'll say yes. Also call around to used exercise/sports equipment stores and ask if they'd be willing to discount equipment for you so you could have some stuff for use at home.
The point is that as you look for places to get therapy and exercise to strengthen and build flexibility you need to tell people your story. Talk with them about what happened, how it's changed your living situation, how it's affected your finances and medical insurance, what you're trying to accomplish. If you just tell your story you will be surprised by the people who will offer to assist you or make suggestions to point you in a direction that benefits you so that your road to success is less difficult.
So enjoy all the encouragement these guys give you, they know what they're talking about. Then go forth and conquer, because you can't let something like a spinal injury keep you down forever. Get moving again soon.