Struggling with High Deductibe Insurance To Pay For My CPAP
by Paul M.
(San Diego, CA)
I have sleep apnea with health insurance I can currently afford, but with a huge deductibe. I know my doctor has to live, but I am delaying buying new CPAP headgear, sleep apnea masks, etc. and delaying my doctor visits, to save money.
Since I am on a strict budget and on the hook for a huge deductible while being older and unemployed, I need to figure out how to make this work. Assuming most doctor's are qualified in the U.S., is there any way to reduce the cost perhaps by putting my apnea treatment out for bid to a variety of doctors in the San Diego area? Your website is wonderful, but is there a Consumer Reports for apnea machines and accessories that would give me an unbiased concise listing of what is out there? Like Consumer Reports, a listing which would show me "best value" would be ideal> Along those lines, I can't afford mask wipes, is there a "do it yourself" mix I could make myself that would be just as good?
My apnea doctor is affiliated with a big hospital in San Diego. Sounds like an expensive way to go. Are there less expensive ways to go? How do I find out billing rates, etc.
I may sound like I am complaining. I am not. Since my deductible is so high, I would be willing to pay cash out of my savings to maintain treatment.
All advice would be appreciated and thank you.