Hi Jessi, and thanks for your post. I see our valued community member, , has already provided a very real world, practical approach for your concern. I concur with his comment.
It is odd (or not so odd), an insurance company to make a suggestion that could compromise a patient's health. For someone (like you), to need supplemental oxygen therapy 24 hours-a-day, seven days-a-week, there is unconscionable. Like you, I am concerned for your health should the oxygen be stopped!
I would suggest the best approach for you would be to get your private medical doctor (PMD) involved. The doctor can establish a medical necessity for non-invasive ventilation (NIV) for your particular case.
What do you think?
Leon (site moderator COPD.net)