Has Your Insurance Paid for a CPAP purchased at CPAP,com?

My insurance company tells me that I have one in-network option; Lincare. They say I have to lease it for 6 months (of course they can't tell me how much that will be). THEN I can buy one. I'm thinking about just skipping them and paying cash.

You'll have to ask your own insce co about it, but I know that lots of others have done it - you just scan a script to Cpap.com, tell them what you want, and they'll either invoice your insce. or you, depending.

There is a trend for insurance companies to make deductibles and copays higher and higher.
Do not be surprised if it is cheaper to go online, even though it is usually out of network.

I purchased my first PR ASV machine from CPAP.COM, submitted the invoice and supporting documents to my insurance company and they paid for it.

Your policy may be different so check with them directly.
DO NOT, UNDER ANY CIRCUMSTANCES, take the word of any local DME for what your insurance will or will not do.

In theory, a DME is supposed to be there, helping you with advice, helping to select masks with knowledge that they have accumulated. OK, a lot of DME's don't do that. Insurance companies usually require that you use a DME. Keep in mind that about fifty percent of those people who get to the point of having a machine quit. The DME is supposed to reduce that statistic. It really is in the insurance companies best interest to have those who need Sleep Apnea Treatment, doing treatment.

As a result I would be surprised that any insurance company will pay for a machine from an internet supplier.

This is a pretty good description of some of the process which can occur.

https://maskarrayed.wordpress.com/what- ... me-part-i/

I have Medicare, and now have a Medicare supplied machine, and I once purchased a machine outright from our sponsors, CPAP.COM. In my experience, our sponsors, cpap.com are good honest business folk. They are not a local DME.

I now use Lincare, and they have been fabulous to me. Maybe because I am in a rural environment, and a company tends to hire honest working people. Not to mention, here there is not a new sucker coming along all the time, so they have to work to keep customers. I think it is also true that while some here have clearly been taken advantage of by DME's. Some now go into a DME relationship in a combative mode, rather than giving the DME a chance to reconcile any issues.

Yes, I know that a lot of insurance companies, and DME's are managed by those who are only interested in how much profit they can make, how good a quarter they can give their stock holders, which leads to managers getting a bigger bonus.

Since the compliance requirement is 4 hours a day 70% of the time for a consecutive 30 day period, it may be that an insurance company will not pay for purchase until that has been met.

So, depending on what your insurance company says, you might be required to wait 4 to 6 weeks and supply proof of compliance before you get reimbursed.

The only way to know is ask you insurance company.

Getting incorrect answers from a DME may be a simple error on the part of whomever you ask.

BTW for my first Auto BiPap machine five years ago, I struggled for over a year to get my local DME straightened out after my insurance company told them that it was a purchase after the first 30 days. Double billing, missed billing, etc. it was a real struggle. I got to be on a first name basis with the regional manager for my local DME who I could dial diect. With CPAP.COM it was pay them, get the equipment, make a claim with my insurance company, and get paid. Done deed in less than 60 days.