Thanks again for your advice, I have good news, guys! After my voicemail last night, the supplier called me this morning and said there was a "miscommunication" about the billing. The monthly lease amounts are not $195 but now only $74 (that's the most the insurance allows for this equipment). Even ...

I will definitely talk to the insurance asap. However, I doubt they would like to change the timeframe of the lease, considering that THEY save money if some of the lease bills come in 2016 and I have to pay another deductible. Why wouldn't the DME supplier be more willing to shorten the lease than ...

Thanks for all your responses! I guess I'll give both the supplier and insurance several calls. @Sleeprider: the rental period is actually 10 months, not 13, so it would've been possible to do it all in one calendar year if I had started in March. @biz64: even with the brick and mortar costs, how wo...