02-23-2021, 09:03 PM
CPAP Machine Replacement
Hi all,
Are there any insurance experts out there? I initially was diagnosed in 2017. I got a Resmed Airsense 10 and I was on a Cigna HRA insurance plan through work at the time. About 2 years, I switched to a Cigna HSA plan through work. Same carrier just a different plan. Looking at my Cigna account online, I don't see my previous claims from when I was originally diagnosed.
I know the replacement schedule for a machine is every 5 years. 2021 would be year 4 so based on that I wouldn't be due for a replacement until 2022. Due to unfortunately circumstances, I'm getting a cardiac loop recorder in the next week. That will cause me to meet not only my deductible but my max out of pocket for the year. I would love to get a new CPAP machine this year and not have to pay anything about of pocket. Does the replacement schedule still apply since I'm with the same carrier but on a different plan?
Thanks!
Are there any insurance experts out there? I initially was diagnosed in 2017. I got a Resmed Airsense 10 and I was on a Cigna HRA insurance plan through work at the time. About 2 years, I switched to a Cigna HSA plan through work. Same carrier just a different plan. Looking at my Cigna account online, I don't see my previous claims from when I was originally diagnosed.
I know the replacement schedule for a machine is every 5 years. 2021 would be year 4 so based on that I wouldn't be due for a replacement until 2022. Due to unfortunately circumstances, I'm getting a cardiac loop recorder in the next week. That will cause me to meet not only my deductible but my max out of pocket for the year. I would love to get a new CPAP machine this year and not have to pay anything about of pocket. Does the replacement schedule still apply since I'm with the same carrier but on a different plan?
Thanks!