Hello Guest, Welcome to Apnea Board !
As a guest, you are limited to certain areas of the board and there are some features you can't use.
To post a message, you must create a free account using a valid email address.

or Create an Account


New Posts   Today's Posts

Renting vs Buying CPAP
#1
When I went in to get my machine, I thought I was buying it, based on the price. I skimmed the paperwork I had to sign, but I admit, I didn't read it as closely as I should have. Friday I got a letter from my insurance company saying my rental of the machine was approved. I have a high deductible plan, so this means nothing, they still don't pay a dime until I've met it, and I may after this thing, but not until. I was confused by the rental bit of it so I looked over my paperwork again and sure enough, it says I'm renting the machine. Did I really just Oh-jeez myself here? The rental is for 10 months.
Post Reply Post Reply
#2
Most insurance companies require new patients to "rent" their first machines for a couple of months, in order to ascertain whether the users will be compliant with the therapy. After a specified period, the insurance company should pay for the purchase of the machine.

You may want to contact your insurance company and ask about the rental provisions versus purchasing the machine.
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 OPINIONS ONLY AND NOT NECESSARILY STATEMENTS OF FACT.
Post Reply Post Reply
#3
If your out of pocket for "renting" the machine is high, consider just buying one outright. There's some pros and cons to this.

The pros is, of course, related to cost. One, your up front cost is done and over with. Supplier #2 has "gently used" and open box machines for excellent prices. Quite often the price you have to pay for the rent is equal greater than the cost of one of their machines.

The cons are mixed. One is the cost is up front vs spread out over several months. Then there's the cost of supplies. Will your insurance company pay for supplies for a machine they did not "buy"? Machine supplies are limited to filters, humidifier tubs, and hoses.

Insurance companies are all about compliance. They don't want to buy you a machine you aren't going to use. They want to rent one then gather your compliance data.
PaulaO2
Apnea Board Moderator
www.ApneaBoard.com


Breathe deeply and count to zen.

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.




Post Reply Post Reply


#4
As you probably noticed, the 10 month rental is more than twice the cost of buying the machine outright. When I needed a new machine, my doctor wrote me a prescription and the DME claimed I would again be required to sign up for the 10 month rental. Since my deductible is also high, it was cheaper for me to buy it over the Internet, so that is what I did.
Post Reply Post Reply
#5
(10-21-2013, 04:41 PM)terp1984 Wrote: As you probably noticed, the 10 month rental is more than twice the cost of buying the machine outright. When I needed a new machine, my doctor wrote me a prescription and the DME claimed I would again be required to sign up for the 10 month rental. Since my deductible is also high, it was cheaper for me to buy it over the Internet, so that is what I did.

Yes! Exactly.
Post Reply Post Reply
#6
In the 13 months that Medicare "rented" my S9 Escape, they could have bought me about 3 Autosets. And yes, I have written my congress folk about this several times.
PaulaO2
Apnea Board Moderator
www.ApneaBoard.com


Breathe deeply and count to zen.

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.




Post Reply Post Reply


#7
(10-21-2013, 05:14 PM)PaulaO2 Wrote: In the 13 months that Medicare "rented" my S9 Escape, they could have bought me about 3 Autosets. And yes, I have written my congress folk about this several times.

yep, my insurance company is renting my cpap machine at $59.30 per month not including the hose, chamber, filters, mask, cushion and headgear. They didn't care about compliance according to my insurance company but the DME checked it for 30 days. My DME has no idea how often I can get supplies and that is just sad
Post Reply Post Reply
#8
"Rental" is often "Rent to own" for CPAP.

However, your situation may be different.
Get the free SleepyHead software here.
Useful links.
Click here for information on the main alternative to CPAP.
If it's midnight and a DME tells you it's dark outside, go and check it yourself.
Post Reply Post Reply
#9
I pay enough every month to my health insurance provider. If they want to rent the machine for the rest of my life, replacing it every 5 years, have at it!! I really wouldn't worry about it as long as your being treated.

Im under the Federal Employees Health Benefit Plan and can change providers every year....which I do often, based upon their annual price increases. In the past 10 years, I haven't got a request to send anything back.
Post Reply Post Reply


#10
Well the thing is, I haven't met my deductible yet, so the insurance ISN'T paying for it, I am.

I asked the DME when I went back for a mask re-fit on Monday and they confirmed that I am renting, and it's because of insurance. The claim showed up on the online system of my insurance company but for some reason doesn't show the machine. I don't know if that's a seperate claim or what.
Post Reply Post Reply


Possibly Related Threads...
Thread Author Replies Views Last Post
  Buying from the USA nathanoj 2 36 37 minutes ago
Last Post: DeepBreathing
  [Equipment] The Risks of Buying from an online supplier justMongo 5 314 07-07-2017, 09:16 AM
Last Post: justMongo
  Buying used machine - what and how to check? kamran.zafar 6 306 05-31-2017, 08:21 PM
Last Post: kamran.zafar
  Buying Advice for Autoset CPAP saskatoonie 6 472 05-02-2017, 10:58 PM
Last Post: ajack
  Buying Machine From Amazon JDMDSM 12 875 05-01-2017, 08:31 PM
Last Post: Russatrice
  Going "Rogue" - Buying a CPAP Machine on Amazon pbwebb 14 1,563 04-15-2017, 01:07 PM
Last Post: Sleeprider
  No sleep study but buying an auto cpap machine today mikeinthecountry344 9 1,273 04-15-2017, 01:15 AM
Last Post: Hydrangea

Forum Jump:

New Posts   Today's Posts




About Apnea Board

Apnea Board is an educational web site designed to empower Sleep Apnea patients.

For any more information, please use our contact form.