I think my insurance @#$%^*$ me.

[Hoze-Zay]

My insurance paid off all my equipment which now makes it mine. So my question is, does this make me financially responsible for repairs? And what do I do if it breaks will they pay for a rental?

I thought this was going to be a good week but now it looks like another day of phone tag with the insurance company where I will get three answers to the same question.

[Handgunner45]

The machine is under warranty for 2 years, then you are on your own. Most insurance schedules will let you replace it at 5 years.

[jdm2857]

You have to go through a DME to get warranty repairs done. Many times they will loan you a machine while yours is out for repair, if you bought the broken machine from them.

Insurance companies are useless when you need answers. You might as well listen to a seashell.

[jasminechichi]

Insurance companies are useless when you need answers. You might as well listen to a seashell.

I think you have a greater chance in getting your answers from a seashell, than getting your insurance company to answer the blasted phone. I spent 30 minutes on hold today listening to a recording say "your call is important to us"...yet I never got to talk to a human. I wound up talking to one of the voices in my head and we worked out a solution

[GumbyCT]

You warranty will be handled by the DME to the manufacturer. Any loaners will do thru the same DME.

Care to share which insurance you are using?

[jdm2857]

And even if you get an answer, it will be asterisked with "we will make a final determination when your claim is submitted", which is their way of crossing their fingers behind their back.

[Hoze-Zay]

You warranty will be handled by the DME to the manufacturer. Any loaners will do thru the same DME.

Care to share which insurance you are using?

Novasys

[plr66]

Insurance companies are useless when you need answers. You might as well listen to a seashell.

I think you have a greater chance in getting your answers from a seashell, than getting your insurance company to answer the blasted phone. I spent 30 minutes on hold today listening to a recording say "your call is important to us"...yet I never got to talk to a human. I wound up talking to one of the voices in my head and we worked out a solution

jasminechichi, you are hilarious!

[apnez]

Those Americans who are afraid of public health systems make me laugh when they think that they will be under the close eyes of crazy civil servants, controlled by Big Brother etc... They don't realize that, as a matter of fact, they are already under the severe and total control of insurance companies (if insured!) who decide what they want according to their own interest. Poor people, they... @#$%^*$ you every single day with a big smile!!!!

Let me tell you that we can compare, here in Canada as some services can also be obtained through private insurance...

Public service is always subject to controls and public rules. There is always a possible appeal and umbudsman somewhere. A Minister is responsible. They are under public eyes and scrutinized by medias.

Private insurance companies change their rules, insure whoever they want and whatever they want and there are no practical ways to catch them in the corner. It's a big an enormous black box. They have a central objective make money out of your health problems. Your health is not their primary concern at all. They can't care less.

Who do you thing brings us nightmare more than the other? And over the top they are authorized to make profit out of our own money for that kind of "service".

The cost of the American system will soon be about 20% of the American GNP (the most expensive and inefficient system in the world). About 12 % goes in services and 8% (40%!) in inefficient (private red tape) and costly administrative costs and profits, a great part of it by insurance companies. The rest of the developed world and western nations are in the +-10-12% range including all costs which much better results and accessibility. Insurance companies are your worst enemies! They won't let anyone take over and really control them, surely not the consumer and politicians. This is one of the reason why Canadians absolutely don't want to change the fundamentals of their health system and are very happy to be under it.

Such sad story revealed in another thread (non insured in any manner person with a 69 % SPO2 too poor to buy the life sustaining equipment-oxygen) is a scandal and would never happen in Canada and other civilized and developed countries. It's a shame.

[Hoze-Zay]

Good reply apnez, Ya'll got it so much better than us. If your Canada system can't fix it you get on a bus and come down here. Check it out.