Has all the hallmarks that you definitely need a new T. But, the insurance thing is critical to paying for all this stuff. There are LOTS of good T's who are not listed on this board. Have you exhausted the list of T's who DO take your insurance? A simple phone call and chat would tell you a lot. Also, I had several T's offer to have a free appointment to see if I wanted to buy their wares, so to speak.
Healthcare is a nightmare and no one is looking out for you. Add that stress to the stress of recovery and you can find yourself overwhelmed.
I'm so sorry this is taking its toll on you. Frustration is enormous.