I'm anxious about my new j-pouch and packing the wound.
After my takedown, my Surgeon said the wound (old stoma site) mustn't be packed (he was insistent on this) but cleansed daily and covered with a dressing; so to prevent the risk of infection and allow the wound to heal from the inside.
A District Nurse provided my wound care once I was back at home.
I suggest you enquire with your Surgeon in regard to wound care at home, as an infection could seriously jeopardise your recovery and cause further complications, especially, as there'll be no one medically trained to monitor your recovery; I at least had the Nurse visiting and dressing my wound daily during the first week.
Although I was relatively mobile, I wouldn't have been able to cleanse and dress the wound myself; also, I much prefer someone who knows what they are doing and knows what signs and symptoms to look out for.
Your Insurance appears to be jeopardising the whole procedure and risking your life for the sake of the cost of a home visit Nurse; so much for Medical Insurance.
This mustn't be taken lightly, after all, prevention is better than cure.