Brian:
I see that you've gotten some good advice here (even some advice from me). Self-testing is a good way to go, and it seems like you'll be able to make minor adjustments, if necessary, and to manage your own INR (at least, you've come to a great place to get good advice).
Regarding getting a test meter, there are many ways you can go. In other postings, I've seen that the forum can't recommend going to any other than an authorized source of the meters. If you have insurance, and can get the insurance companies to pay for the meter and/or the strips, this is probably the best way to go about it. You can check with your insurance company and see what their policy for meters and self testing are.
There are also companies like Alere and Philips that provide the machines and supplies and notify your practitioner when you tell them the results of your tests. These companies are experienced in working with the insurance carriers, and may help you to get started with self-testing.
I'm sure others on this thread will probably have better advice on dealing with insurance companies and companies that are able to help with coverage than what I'm giving here.
In my case - and I am only speaking about my own case and am not suggesting that you do what I've done - I had no insurance; I am not old enough for Medicare, and I had few options. I couldn't afford a new meter, but I desperately wanted to do my own regular testing and anticoagulation management. I went to eBay for my meter. I've noticed that, over the past year or so, prices for ProTime meters, especially, have dropped very dramatically. I have a few ProTime meters (although I really only need one), and, once I got over the learning curve, I've been able to successfully test almost every time. You'll find the ProTime meters on eBay for around $60-80, and you may even be able to make an offer to the seller and get one for even less money. My experience with the ProTime has been good, in part, because the strips have quality controls built into the strips. I've verified my results with a lab and the results have been in very close agreement. As far as strips - I had a doctor friend order them from a medical supply company - this saved me probably $50 or so for 25 strips. I also have a CoaguChek S that I bought because I wanted to see why people on the forum prefer CoaguChek and InRatio over the ProTime. I would steer away from the CoaguChek S because Roche will stop supporting it - and stop selling the strips - by October of next year. If you are in the situation I was in when I bought my meter(s), a meter on eBay is an option to consider. Again - I'm not trying to tell you what to do - I'm merely answering your question.
If your insurance company will partially (or totally) pay for a meter and/or the supplies; or if you find a vendor who can work with your insurance company and get the meter and supplies; this is probably preferable to the route that I took.
My strong belief is that anyone who is taking an anticoagulant should be able to be tested, and properly managed, regardless of insurance or their ability to pay. For some, getting an accurate meter affordably may be the only option until clinics that provide these services on an ability to pay basis become more available.