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CPAP Buy out from equipment supplier help
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khafer Offline

Members

Posts: 7
Joined: Mar 2016

Machine: ResMed Airsense 10 AutoSet
Mask Type: Nasal mask
Mask Make & Model: Philips Respironics Dreamwear
Humidifier: Integrated
CPAP Pressure: 8-15
CPAP Software: SleepyHead

Other Comments:

Sex: Male
Location: Baldwin City, KS USA

Post: #1
CPAP Buy out from equipment supplier help
So I need a little help and am hoping someone else out there might have some experience dealing with this issue. I have been using my CPAP for about 6 months and am very used to it and like my machine (Resmed S10 Autoset). I got laid off last week and thus, have lost my insurance. The insurance company I had was great and had paid literally 100% of everything related to my sleep apnea. However, they were "renting to own" the equipment for 13 months. Now that I no longer have insurance, the equipment supplier wants to basically charge me full list price to "buy out" the CPAP. This is almost 2x the cost of what my insurance company would have paid out by the end of the 13 months. They will credit what the insurance company has paid on rental so far but it is still almost as much as a new CPAP on some of the more popular CPAP equipment websites.

This seems absolutely ridiculous to me. Returning the used equipment to the equipment supplier will be almost useless to them as I would guess they would no longer be able to sell this equipment. Why is it so much cheaper for the insurance company and I have to pay list price? What is wrong with our system?

I tried talking to the equipment supplier and I also tried talking to the insurance company. Both were very nice an helpful but overall did not help me get anything resolved.

Does anyone have any experience with this or advice on getting a replacement machine?
09-02-2016 08:48 AM
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PaytonA Offline
Wiki Editor
Monitors

Posts: 3,016
Joined: Dec 2013

Machine: ResMed S9 VPAP Auto
Mask Type: Full face mask
Mask Make & Model: Resmed Mirage Quattro
Humidifier: H5i(distilled-top up)
CPAP Pressure: VAuto MinE14.0 MaxI 20.6 PS4.0
CPAP Software: ResScan SleepyHead

Other Comments:

Sex: Male
Location: Orange County,California

Post: #2
RE: CPAP Buy out from equipment supplier help
Luckily, I have not had the same experience but I think that you may be stuck. I do not see any way out for you. If it were me, I would just buy from one of the online vendors listed in the site header at the top of each page. Supplier #2 sells lightly used machines at good prices or you might find an open box new machine. You will need a copy of your prescription for the equipment. Sorry to hear about your situation. I did have the same situation but my machine was already paid for.

Another possibility depending on your feelings might be something like Craigs list.

Best Regards,

PaytonA
09-02-2016 09:06 AM
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justMongo Offline

Monitors

Posts: 3,853
Joined: Sep 2013

Machine: ResMed VPAP Auto (S9)
Mask Type: Full face mask
Mask Make & Model: ResMed Mirage Quattro
Humidifier: ResMed H5i
CPAP Pressure: 18 IPAPmax - 11 EPAPmin, PS=5
CPAP Software: Other Software

Other Comments: μολὼν λαβέ

Sex: Male
Location: Калифорния

Post: #3
RE: CPAP Buy out from equipment supplier help
Check supplier # 2 on the list at the top of the page. $749 for your machine, new.
You'll need a copy of your prescription. You can just hand your machine back to the greedy supplier you have.

BTW -- we're asking people to at least put their country in their profile. It helps answer questions like this because things are different in other countries. I assume you are in the US.

INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.
09-02-2016 09:12 AM
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OpalRose Offline

Monitors

Posts: 3,181
Joined: Nov 2014

Machine: PR System One REMstar Auto 560 with A Flex
Mask Type: Nasal pillows
Mask Make & Model: AirFit P10 For Her
Humidifier: REMStar heated humidifier with heated hose
CPAP Pressure: Auto Cpap 10-13 AFLEX 1
CPAP Software: SleepyHead EncoreBasic

Other Comments: Started CPAP Therapy October 23, 2014

Sex: Female
Location: Northeast Ohio, USA

Post: #4
RE: CPAP Buy out from equipment supplier help
Just a thought....
Be sure your supplier didn't have you sign a form early on, that if insurance didn't pay, you would be held liable. A lot of them do this, but I don't know if they can make you pay.

The least they should do is ask you to pay balance of rent that insurance would have paid, but even with that, you should be able to buy cheaper on line.

OpalRose
09-02-2016 09:24 AM
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khafer Offline

Members

Posts: 7
Joined: Mar 2016

Machine: ResMed Airsense 10 AutoSet
Mask Type: Nasal mask
Mask Make & Model: Philips Respironics Dreamwear
Humidifier: Integrated
CPAP Pressure: 8-15
CPAP Software: SleepyHead

Other Comments:

Sex: Male
Location: Baldwin City, KS USA

Post: #5
RE: CPAP Buy out from equipment supplier help
Thanks for the quick feedback. Updated my profile to include location.

Does anyone have experience with Supplier #2? The price would save a few bucks and I would be able to return the equipment to the "greedy supplier". It would feel kinda nice. I probably need to check with them first to make sure I don't get stuck with any fees.

If anyone has any experience with Supplier #2 please let me know.

Thanks
09-02-2016 09:25 AM
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justMongo Offline

Monitors

Posts: 3,853
Joined: Sep 2013

Machine: ResMed VPAP Auto (S9)
Mask Type: Full face mask
Mask Make & Model: ResMed Mirage Quattro
Humidifier: ResMed H5i
CPAP Pressure: 18 IPAPmax - 11 EPAPmin, PS=5
CPAP Software: Other Software

Other Comments: μολὼν λαβέ

Sex: Male
Location: Калифорния

Post: #6
RE: CPAP Buy out from equipment supplier help
I bought my current machine from them as an "open box special."
I am very pleased with them.

INFORMATION ON APNEA BOARD FORUMS OR ON APNEABOARD.COM SHOULD NOT BE CONSIDERED AS MEDICAL ADVICE. ALWAYS SEEK THE ADVICE OF A PHYSICIAN BEFORE SEEKING TREATMENT FOR MEDICAL CONDITIONS, INCLUDING SLEEP APNEA. INFORMATION POSTED ON THE APNEA BOARD WEB SITE AND FORUMS ARE PERSONAL OPINION ONLY AND NOT NECESSARILY A STATEMENT OF FACT.
09-02-2016 09:29 AM
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Crimson Nape Offline

Monitors

Posts: 1,332
Joined: Oct 2014

Machine: ResMed S9 Autoset
Mask Type: Other
Mask Make & Model: P-10 / F&P Simplus / DreamWear
Humidifier: H5i w/Climateline
CPAP Pressure: 8 - EPR 3
CPAP Software: SleepyHead

Other Comments: CMS-50F & 50IW

Sex: Male
Location: Georgia

Post: #7
RE: CPAP Buy out from equipment supplier help
(09-02-2016 09:25 AM)khafer Wrote:  If anyone has any experience with Supplier #2 please let me know.

I've only seen positive reviews about this supplier. In fact, I can't remember seeing anything negative about them. . . I guess that's why I used "only" in my first sentence. - Duh!

Statistics prove that people who have more birthdays live longer.
09-02-2016 09:34 AM
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trish6hundred Online

Advisory Members

Posts: 6,452
Joined: May 2012

Machine: Resmed S9 AutoSet for Her
Mask Type: Full face mask
Mask Make & Model: Fisher & Paykel Simplus
Humidifier: H5i Heated Humidifier
CPAP Pressure: 10 - 7-20 Cm H2O
CPAP Software: Not using software

Other Comments: I started CPAP in 2008. Totally blind since birth.

Sex: Female
Location: Missouri, USA

Post: #8
RE: CPAP Buy out from equipment supplier help
Hi khafer,
I'm sorry to hear about your job/CPAP machine situation. I haven't had any experience with Supplier #2 but I have heard great things about them here on the board.
I wish you good luck, let us know how things go.

trish6hundred
09-02-2016 04:09 PM
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SaldusMiegas Offline

Advisory Members

Posts: 228
Joined: Apr 2015

Machine: ResMed AirSense 10 AutoSet
Mask Type: Nasal pillows
Mask Make & Model: P-10, F&P Simplus
Humidifier: integrated
CPAP Pressure: Rx:14, Set:Auto 8.0-15.0
CPAP Software: ResScan SleepyHead

Other Comments: Woot! P-10 pillows plus Ruby chinstrap for side-sleeping mouth breathers

Sex: Male
Location: Virginia

Post: #9
RE: CPAP Buy out from equipment supplier help
khafer,

sorry to hear about the job loss.

a couple of thoughts ...

1. you may have the right to continue to pay the premiums on your insurance under a federal law called COBRA. Google "health insurance continuation coverage under cobra" and you will see lots of info pop up. Essentially, the COBRA law requires that your employer allow you to continue your health coverage by taking over the premiums for up to 36 months depending on how long you were with the company. Your premiums would be higher than when you were an employee because the company may have subsidized the premiums for employees, and the company is allowed to charge you a small admin fee above the premiums to continue coverage under COBRA.

Kansas law is even more employee friendly ... check this out:
Quote:Kansas Health Insurance Continuation (COBRA): What you need to know
Both Kansas law and the federal Consolidated Omnibus Budget Reconciliation Act (COBRA) permit employees to continue their group health coverage if they leave the group for certain specified reasons. The Kansas law applies where there is no federal coverage. Thus, employees of employers with fewer than 20 employees and employees of any employers who lose coverage for reasons not covered by COBRA are subject to the Kansas requirements. Kansas, unlike COBRA, requires continuation when the employee is terminated for gross misconduct and when group coverage is discontinued in its entirety.
Coverage Continuation requirements in Kansas apply to insured employer-sponsored group plans that provide hospital, major medical, and surgical coverage (KS Stat. Sec. 40-2209(i)). The law applies regardless of the size of an employer's workforce. The insurer must provide 18 months of continuation to employees and their covered dependents who have been covered for three months and who lose coverage for any reason, including termination of employment for gross misconduct. The requirement does not apply to individuals covered by COBRA to the extent that COBRA provides equal or better protection.

2. have a look at the rental agreement you signed with the DME. If you did sign a rental agreement, then typically these rental agreements are between you and the DME, with the DME agreeing to bill the insurance company. If you have a rental agreement between you and the DME for 13 months followed by ownership at a certain rental rate specified, then you may be able to argue that you have a contract and they can't simply change the contract because you no longer have insurance. If the contract was between DME and insurance then you don't have a contract to argue about.

hope this layoff is temporary and you land on your feet with a better position.

good luck,

Saldus Miegas
09-02-2016 04:50 PM
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big_dave Online

Advisory Members

Posts: 411
Joined: Apr 2012

Machine: PR System One DS560
Mask Type: Nasal pillows
Mask Make & Model: F&P Pilairo Q or ResMed Mirage Activa
Humidifier: PR System One
CPAP Pressure: 14 - 20
CPAP Software: SleepyHead

Other Comments: Former ResMed S8 Autoset II user

Sex: Male
Location: Eugene, Oregon

Post: #10
RE: CPAP Buy out from equipment supplier help
I've purchased from Secondwind twice, and had a great experience both times. I bought a humidifier for an S8 Autoset II for $70 in 2012, and a slightly used 60-series System One Auto for $349 last April.
09-02-2016 11:45 PM
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