I'd like to upgrade my old S8 to a ResMed Airsense 10 Autoset with humidifier, heated tube and mask.
If I do a rent-to own scheme through with my local DME company this will cost me ~$1850 out of pocket but will count towards my $3k deductible. (I have a high deductible health care plan).
If I buy it outright with the same company, it will cost ~$1050 but will not count towards my deductible. My insurance company (United) will not let me buy it outright, and then count that towards the deductible (grrrrr).
Obviously, it's the start of the year and there's a large degree of uncertainty about how much health care I'll need this year. I'm not really expecting anything, so it's not an obvious choice. If I don't need much, I'm better off buying outright. If I do need significant stuff, then I'd be better using the rent-to-own scheme.
I'm leaning towards just buying it outright myself. Is that price reasonable? I think I can maybe save a little online, but unless it's a significant amount I'm inclined to buy local so that I can play around with different masks. I don't reckon I need the DME company's support with setting up the machine etc.
What are your thoughts? Any general advice is appreciated.
Thanks
Doug