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Rental Payment Arrangement for CPAP
When you rent a CPAP and are quoted a monthly rental fee, what is the typical duration of the payments before you own the machine outright -- 12 months?
Views: 30
Replies to This Discussion
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Permalink Reply by Judy on
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Medicare has been requiring 13 months but I've seen a lot of insurances posted as requiring 10 months.
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Permalink Reply by Mike on
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A gentleman I know misunderstood and thought the monthly payments lasted as long as he had the machine. Private insurance.
Judy said:Medicare has been requiring 13 months but I've seen a lot of insurances posted as requiring 10 months.
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I've seen some post that their insurance only required a 3 month rental. But 10 months seems to be more the norm from what I'm reading in the forums.
He should ask the DME provider to clarify tho 'cause I have read of just one or two who said their insurance was a "forever" rental. I'm not sure if they really knew that or it was an assumption tho because a lifetime rental would be assinine to my way of thinking.
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Permalink Reply by RL on
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I had my DME tell me it would be an ongoing rental only. I then spoke to my insurance provider who told me that was incorrect, the rental would usually be for 2-3 months to make sure the equipment worked for me, then the prescribing doctor would need to write a new Rx to have it purchased for me( I haven't tested that yet). I told the DME/RT this and she seemed quite surprised. One thing to keep in mind is that each insurance company has many different policies which are negotiated with companies, so the details of each policy could vary within the same insurance provider's "policy menu". You have to talk to your own insurer and give your specific policy number for them to know specifics of your plan. Hopefully they will get it right and not give you the run around later. Of course details like this are not necessarily in writing and subject to interpretation by the insurance company. This all requires some persistence, skepticism and patience from the patient to get all parties to agree and perform in the patient's best interest.
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Great feedback. I'll share this with him.
RL said:I had my DME tell me it would be an ongoing rental only. I then spoke to my insurance provider who told me that was incorrect, the rental would usually be for 2-3 months to make sure the equipment worked for me, then the prescribing doctor would need to write a new Rx to have it purchased for me( I haven't tested that yet). I told the DME/RT this and she seemed quite surprised. One thing to keep in mind is that each insurance company has many different policies which are negotiated with companies, so the details of each policy could vary within the same insurance provider's "policy menu". You have to talk to your own insurer and give your specific policy number for them to know specifics of your plan. Hopefully they will get it right and not give you the run around later. Of course details like this are not necessarily in writing and subject to interpretation by the insurance company. This all requires some persistence, skepticism and patience from the patient to get all parties to agree and perform in the patient's best interest.
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Permalink Reply by Brett Anderson on
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I called my insurance case manager and asked her. The DME followes the 13 mos. medicaid policy. I was compliant and after 2 mos. the insurance paid for the ResMed EII then tranferred ownership to me.
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