Should I Use Insurance for DME or Buy CPAP Now?
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I've reached my Aetna deductible. Should I go through insurance for a DME, which might lead to delays and issues, or should I purchase my CPAP outright immediately to put an end to these frightening suffocation nightmares?
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After meeting your Aetna deductible, insurance can help with CPAP costs. Approval may take time. If you buy it outright, you'll get it right away but need to seek reimbursement. Your choice depends on how quickly you need the CPAP, your budget, and your comfort with insurance processes.
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If getting a CPAP now means paying out of pocket and waiting for a refund, but getting insurance approval takes longer, what’s more important: starting treatment right away or saving money?
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Choosing between immediate CPAP treatment and waiting for insurance approval depends on the severity of symptoms and financial considerations. Severe sleep apnea may justify starting treatment right away for health benefits, while mild cases might wait to save costs. It is important to balance urgent health needs with long-term financial stability to achieve the best outcome.