I received the prescription for my cpap machine and mask from my sleep doc and was instructed to a medical supply co. I arrive and they already had my info faxed from my doctors office. The guy gives me the machine, a REMstar Pro M series with humidifier and data card. I asked how much it would cost, he said they file with the insurance for 2700.00. I asked how much I would have to pay, he said my insurance does a "rent to own" over 10 months. The medical supply co have not filed anything with my insurance co yet. So feeling apprehensive, I called my insurance company and was informed "durable medical equipment" was subject to deductible (500.00), of which I have paid 0 this year. The insurance rep had me keep in mind my deductible starts over in January, so I would have to pay next years deductible before they start paying their 80% of my "durable medical equipment". I can purchase this same machine online for 549. plus 40 shipping. Has anyone else run into this problem? It seems to me my insurance will not allow them to charge me this much but without the claim being filed with them, they really couldn't tell me more.  Any advice is welcomed.

How bad are you doing w/o CPAP? The Pro is a good machine (you do NOT want the Plus). IF you aren't suffering too bad, I would wait until the first of the year for getting a CPAP thru your insurance - or - given a situation such as yours, I'd be inclined to buy online outta pocket.

I would also ask my insurance company what their reimbursement would be if you purchased out of network.


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Some people are like Slinkies... Not really good for anything, but they still bring a smile to your face when you push them down a flight of stairs.
Resmed VPAP Auto. Humidaire 3i, Simplicity mask, ResScan 3.7, S8 ResLink, Embla oximeter.

Thanks for your reply.  I am doing great on the machine and really need it. I have very severe apnea during REM. My pressure with nasal pillows is 14. I believe I will call my insurance co back tomorrow and my doc to get another prescription.

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