I use the Hollister 2-piece system with the disposable pouches. When in the hospital, I had the drainables, but they were way too large and clunky, so I ended up with the 7" mini pouches, since I am only 5'2" tall. (And I HATE draining them!). I am very happy to just put them in the bag and throw them away!
Insurance - I guess that depends on whether you have Medicare or private insurance. Private insurance usually covers more than 60 a month, but you HAVE to get your doctor to write the prescription for more than that. With the mini disposables, you just can't exist on 2 a day. Medicare only covers 60 a month. I don't know if a prescription for more would help with Medicare or not - they have so many persnickety rules!
The good news is you can buy more pouches on the internet, and nobody is asking for a prescription there! The bad news, of course, is that you pay from 65 to 100 for a box of 60 pouches, but sometimes, you got to do what you got to do!