[mitchntx]

The wife has a breathing problem where as she sleeps her esophagus relaxes too much and collapses when she exhales. It doesn't close completely, but it slows her breathing to a point where her blood/Ox level was down to around 80!

The short term fix is an Oxygen concentrator so that what air she does get is more pure.

Insurance company would pay 80% of a rental after our $1000 deductible was met. After the deductible, our 20% liability was almost $30. They wouldn't cover the cost of a purchase. WTF!

So, I found several sources of these units, both new and used. Purchase price is anywhere from $250 (used with a 1 year warranty) to new at $850. I bought a 6 month old unit for $300 with 3.5 years of the manufacturer's warranty still in place.

I argued with supervisors and managers about them covering the cost of purchase and even submitted an appeal which was denied. They said that they don't cover purchase of major equipment, only rental. I don't understand the thought process.

[marka]

Howdy,

I argued with supervisors and managers about them covering the cost of purchase and even submitted an appeal which was denied. They said that they don't cover purchase of major equipment, only rental. I don't understand the thought process.

#1, insurance companies are stupid. Some of that is understandable (they have to write policies for the general case, not specific instances, so counting on the existence of used equipment, for example, might not work generally), some of it is driven by how someone trying to scheme them could take advantage, and some of it is just because "we've always done it this way" never got anyone in trouble.

#2, I bet rental equipment is something where they don't need to worry about it breaking and then needing to be replaced.

Mark