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Don’t get “HOSED” By the Insurance Companies
Hi Everyone,
Newbie here… but long time OSA sufferer. I have put this off long enough. I need to do a full court press towards realizing a successful treatment for my Obstructive Sleep Apnea OSA. I have been have hearted about it but OSA is kicking my a__ now. My only concern is I know that I am in for a fight with my insurance company – United HealthCare, whom I recently read is currently the 3rd most hated company in the US.
My goal is to get an APAP and if that doesn’t work a UPPP. Would you please respond with advice on how to navigate while trying to get all the coverage afforded me while having to pay the least amount of “out of pocket expenses” possible? I have already had one run in with UHC. It wasn’t pretty.
Thank you from California
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Replies to This Discussion
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Permalink Reply by RockRpsgt on
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UHC is leading the industry into home testing at the moment. You should not have a problem getting an APAP unit through theses guys. Most likely they will offer you one.
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Permalink Reply by StokesSearch on
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Here's how I was able to facilitate a replacement of my CPAP with a APAP through UHC. It took about two weeks, but I had some specific requirements. Here's the process simplified, but effective.
- Get Rx with specific APAP. Have Sleep Study available, and make sure to have your Dr. provide a list of providers (this will come in handy later).
- Call UHC for pre-approval for "DME HCPC E0601" prescribed by your Dr. This code is used to cover all CPAP equipment with UHC. There is no reason to mention details of machine. Also, ask for a list of in-network providers for CPAP equipment, UHC will not be able to provide this and the website does not have the capabilities to search for CPAP/APAP, this is where your Dr. list comes into play.
- Call each provider until you find the one that is in-network with UHC and has the equipment you want. Once provider is confirmed, share Rx with APAP wanted, Sleep Study, and this is important, inform them you are pre-approved and that the APAP requested is to be billed to UHC using HCPC E0601. Provide insurance info as requested, and you should have the APAP shipped to you next day.
Hope this helps.
StokesSearch
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