When is your machine paid for?

[Zhaylin]

That is VERY wonderful to hear rofl.  Thank you, so much, for giving me some hope 
It annoys me just how much their calls annoy me.  As long as I use it for 4 hours a night, there's no problem... but I might have to take occasional "vacations" from my machine to ward off migraines; so I've been worrying about their calls a little.

[ruach]

I had conflicting information from my DME and Kaiser Staff-

I have Kaiser HMO coverage. In April, the DME told me that my device is paid for after 2 years, and that I have had the device for over 2 years. In June, my RT told me that my device was still being paid for- and that if I changed from group to individual insurance coverage, that my device would be taken away from me and I would have to buy my own device.

Today, I spoke to Apria today, while I was placing an order for supplies, wondering what the definitive answer to my question of whether or not my ASV was still being rented.  The Apria representative also thought I would own my device after 2 years, but after further investigation, they said Kaiser was still making payments on my ASV, even though I have had the device for more than 2.5 years.

Another interesting piece of information about my device which is an ASV, is that it does not get replaced after 5 years like other PAP devices.

The previous devices I had, the Auto CPAP and the Bi-PAP, were all owned by me as soon as it they were given to me by Apria the DME provider for Kaiser.

[Homerec130]

My insurance Explanation of Benefits (EOB) showed it was paid for at the beginning. No other entries on the EOB except for when I got supplies.

Homer

[Zhaylin]

That's kind of scary, Ruach.  Sounds a lot like a scam.

I still don't know the particulars of my own machine.  Hubby's office manager pays all our bills.  I always tell everyone that she can never retire (not allowed even after hubby does  ) because we won't know how to pay our own bills if she does!
We also have a trip coming up this week... so all my brain cells are focused on packing, cleaning, and ozonating the car.

I'm very curious about the fine print though!  I have mountain state blue cross/blue shield (recently renamed to something else, I think lol).
I got an automated call a couple/few weeks ago, asking if I needed supplies or replacement tubes etc.  I only requested new filters.
It's all very weird and sketchy.  Why not just buy the machine outright like they did for my TENS unit?

[ruach]

LOL - I don't know much about your insurance, but I do like my current level of insurance with Kaiser- I was told the reason of the difference for my current ASV device, is because it is so expensive compared to the other PAP devices. . . that is why I don't own that one, even though technically I am not paying anything on it, Kaiser covers all the payments for me.                But it is strange that I wouldn't get a scheduled replacement for it when it gets older and may require replacement at some point . . .

[FozzyDaBear]

Hi everyone 
Probably been discussed before, but how long before you can sell your machine that you got through insurance?
Thanks

I bought mine after 2 months of renting (no issues being compliant during those 2 months). End of year was approaching and my deductible was already met from my sleep studies. I didn't want the rental to roll over into the following year since my deductible would reset so I asked if I could buy it outright. That saved me a bunch of money.

I will never use my original DME again. The markup was ridiculous. About $3000 for a Resmed Airsense 10.

[Zhaylin]

WOW, Fozzy!!!  That's insane.  I'm glad you thought to do that before the rollover!

[Big Guy]

I'm a new member here and I have the Federal Version of Blue Cross / Blue Shield health insurance. 

I was told 13 months for it to be paid for in full. I was also told to make sure that I use the machine as much as possible, and not just occasionally.