The Taiwanese overlords just traded me to South Korea for cash considerations and no player to be named later. My last day at my former employer was yesterday and my health insurance is paid through the end of the month. I'm on payroll with my new employer beginning today and their benefits kick in on January 1.
I started this CPAP thing in September and my ResMed S9 AutoSet is a rental. I'm going from an Aetna plan where I paid 50% of a steeply discounted fee (I pay $26/month rental) to a very gold-plated Cigna plan that pays 100% for DME so I'm making out on the deal, I hope.
My machine is 3 months old. My AHI score rarely exceeds 1 per hour so it's working perfectly. I'm happy with the DME. How should I play this? Just give the DME my new insurance and let them deal with it? Return the machine and get a new one, possibly with a different DME?
is the DME "in-network" for the new insurance? I don't know what you signed when you got your rental, but I signed a thing that said if Insurance doesn't pay (for reasons of non-compliance) then I do, and *not* at a steeply discounted price either.... I am not sure what different DME companies do, as I am a n00b myself and was assembly-lined thru this process. I too have the Cigna 100% for DME, but I haven't seen it paid yet.
You might try calling Cigna and explain your situation and see what they recommend. . . I know, Don't hold your breath!
Different situation than Daria describes. You are compliant. If the new insurance will not pay, give them back the machine and get another through new insurance. or, offer a buyout at $479 -- I would think they would jump at that. Get them to sign a receipt that says:
"In full accord and satisfaction." The magic words in contract law.
Even before the ACA...
"The Health Insurance Portability and Accountability Act of 1996 (HIPAA) prohibits a health benefit plan from refusing to cover an employee's pre-existing medical conditions in some circumstances. It also bars health benefit plans from certain types of discrimination on the basis of health status, genetic information, or disability."