Insurance Humana PPO

General Discussion on any topic relating to CPAP and/or Sleep Apnea.
ski1999
Posts: 9
Joined: Tue Dec 30, 2014 1:12 pm
Location: Arizona

Insurance Humana PPO

Post by ski1999 » Tue Dec 30, 2014 1:35 pm

Okay just venting- but I was shocked about how my insurance is unwilling to pay anything on my equipment. They were all good with paying for the testing, they just don't want to treat it I guess. Talking with and trying to deal with the DME- I guess it might be a blessing in disguise. They are slow and want to send me home with a low-end rent to own unit. No thanks- I will pass. I am tired of waiting and I am tired of being tired. I guess freedom has its price On a positive note, I guess I don't have to fight with Humana or my DME.

Anyway- it was with the help of this board that steered me in the direction I need to be for now. Now off to learning how to make this all work for me and trying to sleep well again....

Demerit

Re: Insurance Humana PPO

Post by Demerit » Tue Dec 30, 2014 1:39 pm

Humana follows Medicare guidelines and requires a 3 month rental with compliance at day 90 to pay any further. You need to find out what your in and out of network benefits are before you go with a dme.

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Wulfman...
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Re: Insurance Humana PPO

Post by Wulfman... » Tue Dec 30, 2014 1:40 pm

ski1999 wrote:Okay just venting- but I was shocked about how my insurance is unwilling to pay anything on my equipment. They were all good with paying for the testing, they just don't want to treat it I guess. Talking with and trying to deal with the DME- I guess it might be a blessing in disguise. They are slow and want to send me home with a low-end rent to own unit. No thanks- I will pass. I am tired of waiting and I am tired of being tired. I guess freedom has its price On a positive note, I guess I don't have to fight with Humana or my DME.

Anyway- it was with the help of this board that steered me in the direction I need to be for now. Now off to learning how to make this all work for me and trying to sleep well again....
For lots of people, even WITH insurance coverage, it's very possible that it's cheaper to purchase out-of-pocket anyway.


Den

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chunkyfrog
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Re: Insurance Humana PPO

Post by chunkyfrog » Tue Dec 30, 2014 2:00 pm

Most PPO policies vary with the contracting employer, not the insurance company.
Your boss decides how good the insurance you and your co-workers get.
Medicare has a lot longer than 3 month capped rental--13 months, I believe.

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Krelvin
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Location: Metro Phx Area - Dry Heat!

Re: Insurance Humana PPO

Post by Krelvin » Tue Dec 30, 2014 3:46 pm

This is very true. Our company simply uses an insurance company to manage the insurance, what is covered and at what levels is set by the company.
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