Hello . I can understand your concern.
I had been on disability for a few years, before having to go on disability. I remember some frustrations/adjustments to the bank account.
I know that we, my husband and myself, talked with various insurance companies. Some of the insurance companies carried some policies and others did others. By splitting some things, we were able to get better coverage for less money. It can get frustrating at times with deliveries. Some deliver direct and others may go through your local pharmacies and others may ship them to your door.
Do monitor what comes from where. Keep track too, of the cost per item. At some point you should be able determine which is more cost effective per item.
Janet (COPD Team)