Navigating the tricky environment of medical insurance can feel like getting lost in a bureaucratic forest. If you suffer from a life-long and debilitating medical condition, like obstructive sleep apnea, it can be even more confusing. But did you know that you can check your insurance benefits – to find out exactly what is covered and when? We will even submit a claim for you, so that you don’t have to stress out about your coverage. Also, you may not realize it, but you may be eligible for reimbursement on CPAP equipment and even a new CPAP machine.
What Is the Insurance Coverage Schedule?
With CPAP machines and supplies, there is a shelf life – you can’t use the same mask and machine forever. Eventually, masks need to be replaced when you wear out the seal, filters need to be changed, and tubing becomes crimped, worn out and out of shape. Plus, CPAP machines become obsolete – not because of planned obsolescence, but because CPAP technology changes all the time. So, Medicare has organized a reimbursement schedule of sorts, so that you know exactly when it is time for new equipment or a new machine. Don’t worry, most private insurance companies follow the same schedule. Having a schedule is important so that you can remind yourself to upgrade your CPAP experience.
When Am I Due for A Replacement?
If it’s been three years, you are probably due for a new CPAP machine. This is the perfect amount of time for a new technology to be perfected and for you to get the newest and most state-of-the-art CPAP machine. If your mask feels like it is almost worn out – maybe the seal is starting to become irritating or is causing chaffing – and it has been three months, you are due for a new CPAP mask. You are also allowed to snag two nasal pillows/cushions per month and two CPAP filters. You can also change out your full face mask cushion on a monthly basis, so you never have to worry about losing that comfort and seal. And if your tubing is looking a little worse for wear, it may be time for a new tube – you may be able to get reimbursed for a new tube every three months. Nobody likes to hold on to older, outmoded and possibly unsanitary CPAP equipment, so it may be smart to have Easy Breathe check your policy to know exactly what you can get covered.
In the end, some companies make it easier for obstructive sleep apnea sufferers to know exactly what their insurance covers – no frustrating guessing, no confusion, and no stress. Some will even send in your claim for you, so that all you have to do is get the CPAP machine or equipment you need to battle your sleep apnea. You can view the entire insurance replacement schedule here. And if you want to get your insurance benefits checked for you, you can click here – there is no obligation to buy and it’s 100% free!