Melaleuca will give you your money back for any product that you dont want used or unused.
I find it hard to beleive that they wouldnt refund the money for your backup order as I have cancelled in the past and got a backup order, called and they told me to send the order back and refunded my money.
Not to mention that the backup order is stuff that you would have used anyways, keep it, use the products. They wont be sending any more, after you cancel your account.
And ferther more, if you cant afford to have your order and insurance payment come out at the same time...maybe leaving the business was a mistake.