-SWS wrote:Most group insurance coverage plans adopt Medicare coverage criteria as their CPAP policy guideline...
Yes, it's individual coverage and we pay $5K a month for high deductible garbage. We got nailed by the "pre-existing" conditions problem. They lower coverage and raise premiums as you make claims - on an individual policy - it depends on the state and California is a bad one.
Yes, I can fight them and often do (you bet I do for $60,000 a year for two people under 60!). I guess we've seen the worst of these people and are lucky to still be able to afford to be covered. They deny lots of things and then I appeal. It gets tiring after a while trying to get what you pay for. The irony is that we no longer make many claims - but once you are considered "trash" by the insurance companies, they keep raising premiums until you are out. I was lucky enough to switch to lower deductible coverage two years ago. If not, we'd pay about $7,500 a month now for a 70-30 PPO plan!
California has laws to protect business policies, but leaves individual to the wolves. The only way to get onto a new plan for my wife and I would be to go without insurance for 6 months and then get in with the assigned risk pool. But 6 months of non-coverage is way too dangerous nowadays to do. So we are stuck.