My DD12 has mild/moderate fluctuating bilateral mixed (both sensorineural and conductive) loss....she wasn't diagnosed until kindergarten either. She has no problems wearing her aids, even now that she is in junior high....and she PREFERS funky colors. We are just about to order a new pair and she wants red aids with blue ear molds. Her current aids are hot pink with purple molds. They ARE expensive. We, too, are in IL and our insurance pays nothing, so we will be spending about $5K for her "new ears".
A great resource is
http://www.listen-up.org/, and they have a terrific moms listserve group. I have been a member since DD was diagnosed, and it is nice to discuss with other moms/dads issues of hearing loss and just general kid issues.
Also, Illinois Hands and Voices,
http://ilhandsandvoices.wordpress.com/, is a terrific resource for those of us in IL. They will be having their mom's night out (think all moms of kids who are deaf/hard of hearing, a hotel, chocolate and massages- fun, great discussions, and camaraderie!). I can't go this year, as it is nationals for AAU track for my DS14

, but hopefully next year.
It all seems so tough and overwhelming at first, navigating all the technology and evaluations....but in the end our kids do well in spite of our shortcomings. DD12 had a tough time academically until the teachers, TOD (Teacher of the Deaf) and audi's got a handle on things.....she is now a straight A student, sings in the choir (but orchestra didn't work), and has lots of friends and even her first "boyfriend"! She is a typical middle school 6th grader who just happens to be hard of hearing. Hearing loss does not define her, it is just another part of her. Still, I can tell if she has her aids in simply by the volume of Hannah Montana or Wizards of Waverly Place. There ought to be a law against those shows at high volume!
Good luck and God Bless! And DD12 says don't worry.....it will be okay!