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

Is it worth trying to use Blue Cross insurance?
Is it worth trying to use Blue Cross insurance?
My Resemed S-10 CPAP machine (5 years, over 18,000 hours) is due for replacement.  I'm also using an older Resmed S-7 (when I travel) which has crashed completly.  I service offshore oil platforms, I'm usually restricted to whatever I can carry on my person when I "swing rope" onto the platform (often in bad weather) (Crane assisted methods to get aboard may not be functional ny the time I arrive). 

My Dr. wrote a prescription for a Resmed "AirMini" which I think would be perfect fit to address my needs.  Costs are comparable to a new S-10 (now S-11) machine.  Insurance carrier (Anthem Blue Cross) refused to cover this and instead offered to furnish a Luna Cpap machine instead.  WORSE, the insurance carrier refused to pay for purchase and instead hold me to a "forever" monthly rental charge.  (I understand why this might be desirable for new users, but for an existing patient really?) (I've had to fight in the past when it was obvious the sum of monthly rental fees far exceeded  the cost for the machine. 

Do I go ahead any buy this on my own and fight?  I do not want to get locked into another never ending rental contract.  (Fought that battle before) Or write off this device as a medical expense for tax reasons?  (Zero gain for me, from what I can tell) (My deductible is too high!)

Because I am gainfuly employed this colors things.  I have been advised if I were unemployed it would be simpler fix to tap into some stimulus funds and not be responsioble for actual cost of machine.  

Thanks for any insight you can offer.... 

Post Reply Post Reply

Donate to Apnea Board  

Possibly Related Threads...
Thread Author Replies Views Last Post
  [CPAP] Insurance Question, potentially serious SleepyTime1 10 380 05-11-2023, 03:39 PM
Last Post: Synestheat
  Odd Insurance Coverage Issue - Any Thoughts cmpman1974 4 275 05-09-2023, 11:03 AM
Last Post: cmpman1974
  Rant about insurance, sleep study, and costs Stuff 7 380 05-06-2023, 10:19 AM
Last Post: Stuff
  incorrect Logging Use For Insurance BlueSky1958 2 182 04-25-2023, 03:52 PM
Last Post: BlueSky1958
  Quick Question - Worth Buying ASV If Tweaking CPAP Isn't Working? Apnea23 3 229 04-18-2023, 07:54 PM
Last Post: Sleeprider
  Pricing on Machine vs Insurance cmpman1974 0 239 03-17-2023, 10:37 PM
Last Post: cmpman1974
  [Treatment] Pulmonologist --Not use CPAP, Use mandibular. How to later cross check? HenryECole81 0 179 03-03-2023, 06:17 PM
Last Post: HenryECole81

New Posts   Today's Posts

About Apnea Board

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