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How to Replace Your CPAP in Only 666 Days

jawngee
57 replies
1d7h

Yeah try importing a CPAP from the states into Vietnam if you want a real adventure.

A $650 cpap machine costs well over $2K here. So I thought I'd import one. Apparently you need a prescription in the states? Ok, get a "prescription" from an online service that basically just asks you if you snore over a video call. Amazing.

Buy machine and have it sent to a freight forwarding service. They fuck up the paperwork.

It gets held in Vietnamese customs for almost 4 months. Go down to customs once a week to argue with the guy. One week you can't have it because it looks used. It doesn't look used.

Next week you can't have it because they think I'm importing to resell it. Yes it's a very hot market right now.

Repeat same processes with different people next successive weeks.

Finally someone says to bring prescription. But they don't write prescriptions for CPAPs here. A lot of hand waving when you tell them that. Go back to cardiologist who told me to get the CPAP and ask for a prescription. Oh no, he says, we don't write prescriptions for that. Can you write a letter saying that you don't write prescriptions and that I need the machine? Oh no, he says, I can't do that.

A couple of weeks later finally get someone at customs to agree that my sleep apnea test is proof enough. Bring the test in. Nobody looks at it. They still release the machine to me.

I would still take this random bureaucracy over American insurance any day of the week though.

EdwardDiego
34 replies
1d6h

I feel like you were expected to pay a gratuity several times in that process and they were baffled you didn't.

samstave
15 replies
1d6h

Who's an expat who knows sliding some cheese? Not this guy.

Roritharr
14 replies
1d6h

I learned recently that you want a fixer that knows and bribes people where it's customary and expected. Going through lengthy processes deaf to the trigger phrases will make your life, which could be incredibly easy, unbearably hard in many countries.

gwd
10 replies
1d6h

It is worth pointing out that (at least according to the corporate training I have to take every year) this is considered illegal by the US government for a US citizen to do even not on US soil; if the Feds get wind of it and feel like making a point they could throw you in jail, even with an intermediary "fixer".

Roritharr
4 replies
1d5h

That's why these services are usually provided by "expat services agencies" that do these things intransparently to your knowledge.

mcculley
2 replies
22h12m

Other common terms are “broker” or “agent”. I pay the agent. He deals with the local bureaucracy. He knows what things should cost.

samstave
1 replies
22h8m

AKA; ...'eeeeyyyyy, IgottaGuy..."

mcculley
0 replies
21h32m

In my experience, they are more professional. I engage with a firm who offers "customs brokerage" and "agent" services. They take care of any local payments necessary. I get a proper invoice that I pay with a wire transfer.

brnt
0 replies
1d4h

It's amazing how based on the label, people are fooled.

At least people in Vietnam don't kid themselves and call a bribe a bribe.

EdwardDiego
1 replies
19h57m

There were some massive bribery scandals in the late 70s where pretty much entire governments were coopted by US corporates that these laws arose in response to.

samstave
0 replies
17h0m

Where we get the term "Banana Republic!" for such dispicibles as the DOLE family - who, we only know the white-washed name by their offspring Bob Dole charading as a nice ol' grampa type but a good ol' corporate boy.

--

One of the major scandals associated with the Dole family is the overthrow of the Hawaiian monarchy. Sanford Ballard Dole used his government influence and self-appointed position in Hawaii to push the US toward taking over the islands in the late 1890s. The Dole fruit company in Hawaii rose out of the bloodless Hawaiian coup staged by the Dole and the US government in 1893. Another scandal involved the Dole Food Company, where a jury found that Dole should pay $2.5 million in punitive damages to five workers who claimed they were made sterile by use of a pesticide on Nicaraguan banana plantations in the 1970s.

15155
1 replies
1d5h

The FCPA allows "grease payments" to officials performing their official duties.

coredog64
0 replies
1d

As a consultant, I have to take FCPA training an average of 3 times a year. So although I’m not a lawyer, my take is that it’s only allowed if you can point to official documentation that lays out an expedited action fee schedule.

Paying a third party is just as illegal. However, unless you’re expecting to run for Congress, nobody is going to care that you bribed some low level foreign customs agent to get your ink cartridges released.

dreamcompiler
0 replies
13h12m

You didn't pay close enough attention in class. The US FCPA [0] explicitly allows "grease payments" (which is what we are talking about here) so long as they're not illegal in the country in question.

Grease payments are paid for the purpose of expediting a task that a low-level official is required to do anyway as part of their job, e.g. release a package from customs hell.

The FCPA prohibits bribes which are payments intended to influence high-level decision-makers to make a decision in your favor when they are not otherwise required to do so.

[0] https://en.m.wikipedia.org/wiki/Foreign_Corrupt_Practices_Ac...

nimos
2 replies
1d6h

Honestly I don't think most people need a "fixer" - just any local friend. Either they will know the expected bribe amount or they can figure it out. Also you might be able to get them to do stuff for you where all of the sudden the bribe is 1/10 the amount because they are local.

Maybe if you are doing more serious stuff like business or real estate it makes sense.

mlinhares
1 replies
1d5h

In specific countries, like Brazil, “fixer” is a real job (it’s called “despachante” there) and it’s supposedly someone that knows the bureaucracy and how to navigate it.

Most of the time when you need to deal with a government agency you’d go through one of them. They don’t advertise that they’ll bribe people to get it done but that’s how it works.

matheusmoreira
0 replies
12m

Their services are well worth it, bribes or not. The less you interact with brazilian bureaucracy, the happier you are.

jawngee
12 replies
1d4h

I tried but they wouldn't accept it.

aniforprez
11 replies
1d3h

I've dealt with this many times as a South Asian person and it is very possible they still do actually want money. Most people will not ask in a straightforward manner for money and when you offer to pay them, they act all offended. This is a stupid game that I have no idea how it started where they will pretend to not want the money but will still very obviously want it. This has stumped me, being mildly autistic, for the decades of my existence and also stumps foreigners a lot. I cannot proffer a solution. Sometimes asking works, most of the time it doesn't and the other party feels unhappy about it and then when you decide enough is enough and want to pay, another guessing game begins where you need to gauge what amount satisfies them. It's incredibly goddamn annoying and I wish they just told you they want a bribe or money instead of engaging with these weird, obtuse, coy behaviours and then I have to obsess over whether I made a faux pas by paying/not paying them

Solvency
8 replies
1d2h

It's their culture of saving face. The solution is extremely simple.

You tell the person "I was told I had to pay this <X fee> to release my package but I don't know who or where I pay" while waving the cash around cluelessly. The person will 100% then offer to take it and "handle it from there" under the stupid guise of plausibility.

bethekind
5 replies
22h25m

Asian culture never ceases to confuse me. Nothing is ever straightforward.

I tried giving a gift to some, as thanks for letting me sleep on their couch. They told me no no no. I asked my friends about it, they told me it's about face.

Omg, I get that honor is a big thing, but it makes normal interactions way more complicated.

EdwardDiego
2 replies
19h59m

Every culture has things like this.

"You'll have to pop in next time you're in the area!" does NOT mean "turn up at my house unannounced". Even if it sounds like it.

Or "How are you going?" is not a prompt to actually tell them how you're going.

rayval
1 replies
11h29m

Yes when I first moved to the US, people would greet me with "How ya doing?" and I thought they really did want to know. It took a while to understand that it was just a way of saying hello.

I'm told that, in China, a way to greet someone is to say: "Have you eaten yet?" 你吃了吗

You are not supposed to provide a detailed answer such as: "Yes I ate a breakfast sandwich this morning at 8 am".

Instead you simply say "I ate" (吃了) or "Nope" (没呢)

lucasban
0 replies
9h30m

Working in Singapore, I encounter this often (but in English). It took me a few months before I realised that I did not need to provide a detailed answer.

ipqk
1 replies
16h9m

Well, maybe start by not thinking that there's a singular "Asian culture".

Log_out_
0 replies
11h16m

There are concepts though shared by the area. Piety. Face culture. Ancestry worship. Conservative values.

Some areas may have it to a lesser extent (China were the cultural revolution steam rolled everything and only left superstition) but the concepts shared remain the same,the expression of the pattern varies widely.

aniforprez
0 replies
1d1h

I will try this next time. Thanks for the tip

RufusJacksons
0 replies
17h2m

This. I bribed my way out of many traffic tickets in Southeast Asia by suggesting that because I’m so busy, I’ll pay the cop directly and then he can pay the ticket on my behalf. Worked every time except once, where the guy was a real stickler

figassis
0 replies
11h3m

Often they’re afraid they’re being recorded. So the conversation should be more like asking for unrelated advice and then making some type of friendship, maybe asking for their contact if you needed any more clarification, etc. Also, they might have a trust network, like you get to them through their friends. So you should ask your friends if they know someone working in this department etc, and get an intro. That way they feel safer. You don’t have to pay them monthly, but yeah, do occasionally compensate them for no reason.

Regarding money, you should start with cash. Have an amount you think is fair on your pocket. Tell them this is what you have and thank for their help. If they don’t look happy or they reject/ask for more, tell them it though, but that you need check if you have more in your car. If the difference is a lot, say you need to ask friend for help. Go back to your car, pretend to talk to someone and come back with more. If they really want a lot more, ask for they’re bank account and tell them you’ll need to transfer (throughout make sure to show them that they asking for a lot and this is very hard for you, you have kids, need to eat, get a cab, pay a loan, etc). Also if you tell them you’ll transfer from a different bank than theirs, they might settle on the cash because interbank transfers are not same day.

All this varies by country and what methods of payment are available.

Log_out_
0 replies
11h26m

TL, Dr:Slide it into the paperwork so no face is lost

Sounds like they thought they caught a reseller endangering somebodies sales friendship.

appplication
2 replies
1d3h

My friend does export/import into SEA. You don’t just have to know who/when to bribe, you have to have an insider set up already. They used to have a guy in customs who would take a monthly payment to forward all her packages through without a second look. He disappeared and then trying to find the next one took months. Nothing was getting through customs, and showing up at the office they would deny any attempts to bribe. It is definitely a very coded art finding the right person, price, and parameters to get something set up like that.

Solvency
1 replies
1d2h

It's always a guy with a gun. Fact of life. Border crossings? Find the guy with the biggest gun and bribe him. South America, Eastern Europe, etc. Import/exports have armed security too.

failingslowly
0 replies
22h52m

I love this tip, but I sincerely hope I never have to use it.

BossingAround
1 replies
23h28m

"Gratuity" is an amazing euphemism for corruption in a system :))

EdwardDiego
0 replies
20h1m

Haha, yeah, I was thinking air-quotes when I typed it.

xrd
4 replies
1d6h

I recently read the book "Gaming Behind the Iron Curtain." It's about the former Soviet satellite states trying to play video games inside the Czech Republicb in the late 80s. They had to smuggle in computers hidden inside suitcases from England. This feels almost like the same thing.

I'm stuck in thinking that someone smart could break apart these CPAP machines and bring in necessary parts, then find other parts from China and hand carry those in. Then reassemble them inside Vietnam. A price differential of $1500 seems like an interesting arbitrage opportunity, maybe better than drug dealing. And there aren't chip sniffing dogs in the airport.

What a nightmare.

stuaxo
3 replies
1d6h

Sounds like the zx spectrum was almost built perfectly for that.

bitwize
2 replies
1d5h

Russians have a significant presence on the ZX Spectrum game and demo scene. There may be something to this.

stevekemp
1 replies
1d3h

There were several similar Z80-based systems made at the time, locally, such as the Hobbit:

https://en.wikipedia.org/wiki/Hobbit_(computer)

bitwize
0 replies
1d2h

But to clone the Speccy they first had to obtain one (or a few) :)

nimos
3 replies
1d6h

Did you not try to pay some coffee money? Do you have local Vietnamese connections?

Seems like something you could have paid 500-1000k (20-40USD) and been done with.

jawngee
2 replies
1d4h

Yes they wouldn't accept it.

natch
1 replies
1d3h

You aren’t telling us how it was offered. Openly in front of multiple people, discretely, etc.

jawngee
0 replies
14h23m

Discretely, then my wife tried, then my mom's wife tried and then my wife's cousin who is an immigration cop tried.

I've lived here for 12 years, I know how it works.

methou
2 replies
1d4h

I had a similar experience but in Japan.

My CPAP machine was held by customs, they asked me to provide some extra paperwork from another department, which boiles down to a form and a "prescription". Fortunately they accept american prescriptions. I emailed all of the docs to the department, and they told me since I'm physically in Japan, I have to do what Japanese would do - send a physical mail in an envolope. A week later I got the approval mailed back to me, scanned them and emailed them back to the customs, they released my package.

Then, the shipper messed up with my address, they use a local partner for delivery, but failed to pass them my phone number and the second line in my address. Apparently the poor delivery guy attempted to deliver for a week, I found it out in the tracking page, called the customer service, they figured out and eventually have it delivered.

I thought it was terrible, but now.

positr0n
0 replies
1d2h

Back in the day I remember reading patio11 posts on navigating the Japanese bureaucracy and he described this as "doing SQL JOINs" across different departments by filling out forms and visiting each one.

codewench
0 replies
1d1h

Japanese customs is a special thing. I had a plastic Christmas tree held in quarantine for 9 months because the box said "tree", and all attempts to point out that the tree was in fact fake, and probably not of serious biological concern feel on deaf ears.

forinti
2 replies
1d6h

I don't know Vietnam, but to my South American sensibility, it looks like they were fishing for a bribe.

lolc
1 replies
1d5h

Fishing is not the phrase I'd used. Insisting on, maybe.

bethekind
0 replies
22h23m

I think "searching for a bribe" or "seeking a bribe" might be closer

yieldcrv
0 replies
1d3h

lol I felt that last part

I had a business trying to get an institutional trading account, and all these compliance officers kept the application in limbo for a year

finally the exchange’s general counsel or someone maybe even the CFO said I needed to show my company’s AML/KYC policy.

I have my lawyer draft a comprehensive AML/KYC policy.

I told the financial institution that my legal counsel had prepared our "ANTI-MONEY LAUNDERING AND “KNOW YOUR CUSTOMER” PROCEDURES Which should fulfill all of your company’s compliance goals”

And apparently that contained the magic words because they approved the account instantly, after being in account creation limbo for an entire year, they never even asked for or looked at the document

verticalscaler
0 replies
1d2h

It isn't good to argue that way in this part of the world, I hope you didn't raise your voice - not 100% sure about Vietnam but in any of its surrounding countries - they would lose face and become uncooperative.

I learned the hard way after a few experiences like yours to telegraph as little frustration or anger as humanly possible. Reasoning also only goes so far.

But if you appeal on some technicality, even a rule of your own invention..

Carol Beer presents differently across cultures (https://www.youtube.com/watch?v=1pw8m_NTJ_0).

strawberryfie
0 replies
13h36m

I guess random bureaucracy is ok when the treatment in question isn’t urgent.

petesergeant
0 replies
1d5h

If you need to do this again, fly to Bangkok, they have ResMed and Philips authorised resellers with machines already in country, although incredibly enough you can also just order them off Lazada

jevoten
0 replies
21h40m

Next week you can't have it because they think I'm importing to resell it.

With all the "free trade" agreements Vietnam is party to [1], you'd think this would be perfectly fine. Funny how that works, isn't it?

[1] https://en.wikipedia.org/wiki/Free_trade_agreements_of_Vietn...

coldtea
0 replies
1d4h

Go down to customs once a week to argue with the guy. One week you can't have it because it looks used. It doesn't look used. Next week you can't have it because they think I'm importing to resell it.

Cousin Eddie: I'm real glad that things are going good for you, Clark.

Clark: Mm-hm.

Cousin Eddie: I got laid off when they closed that asbestos factory.

Clark: Ahem.

Cousin Eddie: And now, wouldn't you know it... ...the Army cut my disability pension... ...because they said the plate in my head wasn't big enough.

Clark: Shoo.

Catherine: Eddie, Clark and Ellen don't want to hear about our troubles.

Clark: No, no. It's very interesting.

Aunt Edna: Why don't you just ask him for the money, Eddie? He sure as hell can't take a hint.

bugbuddy
0 replies
1d

Your mistake was not bringing an envelope full of USD as evidence to be submitted to the relevant authority to expedite the service. Guess why it costs over $2k? Additional administrative taxes included. Also, you are supposed to do this through somebody that knows somebody that works somewhere.

verytrivial
36 replies
1d8h

You can now understand why the UK is holding on the its NHS with white knuckles despite the Conservative push to dissolve it by stealth.

klabetron
20 replies
1d8h

Though it’d probably take 666 days to see a sleep specialist and get your first CPAP machine… (which I suspect you’d agree is part of the stealth dissolution plan)

robmccoll
14 replies
1d5h

I have terrible news about systems built on private health insurance (USA): it will still take 666 days to see a specialist, and you will need a referral from your PCP who may also decide they want to see you in person first. This may be its own scheduling nightmare. Then you may find out that your preferred specialist is out of network for your private insurance. The waits are a generally a supply and demand issue more than a beurocracies issue, but I can assure you that multiplying the number of beurocracies involved in getting healthcare doesn't speed anything up.

dralley
13 replies
1d5h

I've never had to wait more than a month to see a specialist in the US

diob
1 replies
1d

When was the last time you went? Nearly everything, even non-specialist, are booked out a month or more.

WarOnPrivacy
0 replies
23h37m

Mine are booked out forever because usable health insurance is far out of reach.

bentt
1 replies
1d5h

LOLOLOL

that is not typical

coldtea
0 replies
1d4h

LOLOLOL depends on the area.

y-c-o-m-b
0 replies
1d

In the Pacific NW for me:

- Dermatologist: 5 months

- Cardiologist: 3 months

- ENT: 8 months (turned out to be a useless appointment too sadly)

According to my PCP last week, endocrinologists have stopped taking in patients that do not have urgent issues and even then it's a 6+ month wait. He said 9/10 of his referrals to endocrinologists in the last year have been denied.

rayval
0 replies
11h20m

I have several different specialists I've had to see and the minimum wait is 3 months, usually 4 to 6.

gorbachev
0 replies
1d4h

I couldn't find a single specialist who were taking new patients within 100 miles for my chronic condition when it was first diagnosed.

This sort of thing depends heavily on where you live, what your insurance coverage is, and the specific condition you're seeking care for.

ericjmorey
0 replies
1d4h

Last month, I tried to make an appointment with an endocrinologist. The first one I called had the earliest availability in July. The earliest one I could schedule was in March. and it's an hour and 15 minutes away from my home.

ceejayoz
0 replies
1d5h

That’ll depend heavily on location and specialty. Neurology and dermatology book 3-5 months out for new patient visits in my area, from personal experience.

SamoyedFurFluff
0 replies
1d4h

I think it heavily depends. I know a friend who can only see her neurologist with a 3 month wait. Rheumatologists and specialized cardiologists are about the same issues. As an adult, trying to speak to a neurologist for an autism, ADHD, or learning disability evaluation is also a nightmare time-wise.

FireBeyond
0 replies
18h4m

Car accident, holding steering wheel, airbag goes off and hyperextends my wrist way back. Thankfully, no tears. But ER does their thing, and I follow up with PCP the next morning, both recommending, and PCP referring me to PT "to start immediately", because I have barely any grip strength in what was my dominant hand.

I couldn't find a PT within 30 miles that could see me within "12-14 weeks".

Brybry
0 replies
1d5h

I don't know about 666 days but my senior citizen parents complain about specialists where the earliest (non-emergency) appointment is 6+ months out.

They have figured out the right time in the morning to call every day to try to grab a canceled appointment slot but it takes dedication.

15155
0 replies
1d5h

This is my experience as well.

p_l
3 replies
1d7h

Depending on how defunding worked so far in one's area, but NHS generally prioritised potentially dangerous issues.

Means it's easier to be frustrated waiting and then getting a 10 minute talk when it's flu or something similar, but get seen to in 10 minutes after arriving at a walk-in centre because you're worried of bine fissure in leg (turned out to be inflammation fortunately)

stavros
2 replies
1d6h

I went to A&E with symptoms of appendicitis. They took me in, put me in a bed, next day I was operated on, stayed one night and out the door. Everyone was great and seemed very competent.

This was on a three-day business trip to the UK, which was extremely unlucky, but the NHS was fantastic.

nvm0n2
1 replies
19h59m

You got lucky. My father went to a&e recently with breathing problems due to some non COVID respiratory virus. He was struggling to breathe. They had zero free beds and he stayed overnight on the chairs waiting to be admitted. Eventually they found him a recliner.

And then of course you have the constant strikes and inability to even see a doctor at all unless you win the game of phone lottery.

The NHS may have a simple user interface, but it doesn't actually work when you need it so that's not very helpful. And the idea this is a Tory problem is propaganda. The NHS budget only ever goes higher yet service gets worse. Dumping ever more money into this third world system is never going to work.

p_l
0 replies
19h56m

Part of it is a Tory problem - when they changed how the funding gets distributed, so that overall bigger fund is divided now into smaller pieces that still have to cover the same population, but without the scaling benefits that previous allocation provided.

It's visible in other systems too, where for example you end up with local government politicians fighting for "prestige" or even perceived need to have a specific kind of hospital in their area, but they don't have a way to bring enough patients to support it, so you get a system too fragmented to sustain despite spending more and more money.

hnlmorg
0 replies
1d4h

My sleep apnea went from initial visit to an NHS GP to a working CPAP machine in under 3 months.

This includes multiple consultations with sleep specialists and zero chasing from me.

petesergeant
3 replies
1d5h

I dunno, I’ve just spent 18 months in Dubai, where I had private insurance, and it was a breeze. See a UK-trained specialist for almost anything within a day or two, and hospital direct billing meant I almost never had to interact with the insurer directly.

I guess my point is that as reassuring (as a Brit) as it is to know the NHS is there, private insurance isn’t necessarily bad if regulated well (and that matches my experience of having private insurance in the UK too), it’s just America’s seems incredibly poorly regulated.

jameshart
1 replies
1d3h

A consistent theme in responses here is that how long you just wait for a doctor depends on location, and the preponderance of evidence suggests that the differentiating factor between locations where it is easy to see a doctor vs waiting a long time is how many golf courses are around.

Correlation isn’t causation of course. Not suggesting golf courses cause doctors. But in general in this thread I see people from heavily golfed areas saying ‘I found a doctor really quickly’ and people from golf deserts talking about long waits.

petesergeant
0 replies
10h50m

I wonder if richer areas tax NHS resources less or more. I could see cost-per-patient-per-year being less in affluent areas for a number of reasons

eszed
0 replies
1d1h

I think the critical element in the UK hasn't been regulation, so much as the NHS putting a hard price floor under everything that private providers offer. The two systems worked symbiotically. As / if the NHS is killed, private medicine will enshittify as well.

humanrebar
3 replies
1d2h

I'd rather go the other way and not require a prescription for a breathing machine. They're not habit forming and you won't OD on breathing.

jrockway
2 replies
1d1h

I agree with this. The sleep apnea world is kind of a weird racket; in order to buy $150 worth of electronics, you need to pay a doctor $5000 to interpret the results of a sleep test. Insurance companies require this because they don't want to waste money on electronics if there is no disease that needs to be treated. But of course, the testing costs them more than the devices. (And the devices aren't $150, because they aren't marketed directly to consumers, they're marketed towards insurance companies. That means you get to jack up the price because people aren't using real money to buy them.)

There was probably some argument for requiring a prescription when someone needed to adjust the pressure, but now that the machines do that themselves, they should probably just be available at Wal-Mart next to the reading glasses.

FireBeyond
1 replies
20h56m

And the devices aren't $150, because they aren't marketed directly to consumers, they're marketed towards insurance companies

Apropos of anything else, the newest CPAP machines are relatively sophisticated. They may not be worth the $1,100 they sell for, but definitely more than $150. $500, maybe.

The sleep apnea world is kind of a weird racket; in order to buy $150 worth of electronics, you need to pay a doctor $5000 to interpret the results of a sleep test.

ENT too. I had a deviated septum. Most (all?) of my life. Finally did something about it when I was 40. Went to an ENT, who was great. "Yup, right nostril, 90% occluded". "Makes sense. So when do we schedule the surgery?"

He sighs, and with a roll of his eyes (at the process, not me), "Welllll.... first I'm going to prescribe you these two nasal sprays so that you can come back in 30 days and tell me that, to our mutual shock, they didn't realign the cartilage in your nasal septum. At that point, insurance will approve the surgery and I can have it done within 3 days of getting that approval back."

Thankfully, that went like clockwork. I saw him on day 30, and they had an approval and 34 days after seeing him for the first time, it was taken care of.

But what a fuckshow.

jrockway
0 replies
11h57m

That sounds about right. I love your doctor though.

MrBuddyCasino
3 replies
1d5h

The NHS is a failed system that absolutely nobody is envious of, except brits because for some weird reason, they seem to think that the alternative is poor people dying in the streets.

Similar systems as the NHS have been introduced and subsequently canned in favor of more sane approaches in other European countries, which now have better (but still socialized) healthcare as a consequence.

There is no central european country with a similar amount of health care horror stories than the UK, and none where it plays a similarly important role in its identity. It boggles the mind.

dhc02
2 replies
1d4h

"The NHS is a failed system that absolutely nobody is envious of"

...except people in the US.

bigstrat2003
0 replies
1d

People in the US, by and large, aren't envious of the NHS. For most people, if they've even heard of the NHS they have a negative opinion of it.

MrBuddyCasino
0 replies
1d3h

If you think the problems of US healthcare are caused by too much „free market“ and could be solved or even marginally improved by an NHS-style socialized replacement with even more government interference, you have never seriously investigated the issue.

vertis
0 replies
1d8h

Yes, Australia too. You can take my medicare system (NHS equiv) from my cold dead hands. It's the only way you're going to.

hnlmorg
0 replies
1d8h

I completely agree.

I suffer from sleep apnea and I too had an issue with my CPAP machine. The NHS fixed it within a week.

I can’t imagine spending 2 years chasing different health providers to sort a simple repair.

FireBeyond
0 replies
21h1m

despite the Conservative push to dissolve it by stealth

I'd question the "by stealth" part of this.

londons_explore
28 replies
1d7h

Please folks remember that it isn't compulsory to use a companies byzantine process.

Instead, check your insurance policy wording that you are covered, spend the money on a new machine, send a single letter to the insurer asking to be reimbursed, and when they don't reimburse within 30 days file in small claims court.

They'll pay. They don't want to physically show up in court or have you send bailiffs to their HQ over $3000 that they probably owe you anyway.

genocidicbunny
10 replies
1d7h

Unfortunate that you cannot get additional damages against them. That sort of behaviour really needs to be heavily punished -- say, forcing them to cover every single CPAP prescribed for the next year for free, with the executives having to personally pay if the company can't afford to.

Byzantine processes when dealing with medical issues should be punished with Byzantine punishments.

londons_explore
5 replies
1d4h

In most places you can at least get back the court fees (which are typically a few hundred bucks).

Unfortunately sometimes you can't get back the court fees, and in situations like that, rather than spending $3000 on some new medical gear and battling insurance I would be very tempted to go to eBay, buy it 2nd hand from someone for $150, and just use that. Better time/effort/money/result tradeoff IMO.

patja
3 replies
1d4h

eBay is pretty good at enforcing their policy banning sales of medical equipment requiring a prescription. They yank any listing for a CPAP very quickly.

londons_explore
1 replies
1d4h

Took me literally 30 seconds to find one:

https://www.ebay.com/itm/404778680293

They even have a category for "Medical equipment > ventilators". If they do have such a policy, they enforce it very poorly.

patja
0 replies
1d3h

I guess it varies by country. In the US they pull CPAP listings very quickly.

Policy: https://www.ebay.com/help/policies/prohibited-restricted-ite...

hypercube33
0 replies
15m

A lot of stuff is over the counter now so why aren't cpaps and other durable (overpriced) medical equipment?

genocidicbunny
0 replies
1d4h

I don't want to get back just my court fees. If I could have it, heads would roll, but in lieu of that, I will take severe personal penalties to all those involved. Their tunes will change really frakking quick if the consequence is being put out on the street (or worse) for frakking around with people's medical coverage.

thfuran
3 replies
1d6h

Byzantine punishments were more along the lines of castration and facial amputation.

philwelch
1 replies
1d

Reminds me of the funniest Crusader Kings bug of all time—a performance issue where the game laboriously calculated over and over again whether or not every character in the Byzantine Empire wanted to blind every other character in the Byzantine Empire.

genocidicbunny
0 replies
10h17m

I loved that bug. To the point that I actually spent a (probably unnecessary) number of hours QC'ing it to try to figure out what was causing it. I didn't manage to figure out that it was the blinding check that was a problem, but I did discover that if you basically murdered all the people in the Byzantine empire, or you elimited the cultures that allowed blinding people, your game perf would go way up.

So I made a little personal mod that immediately castrated (if there was something to castrate) and blinded all characters of the Byzantine empire on game start, and it seemed to solve the problem.

genocidicbunny
0 replies
1d6h

Who's to say we can't get a little retro?

Little late for the new year's stuff, but let's party like it's 499!

q7xvh97o2pDhNrh
5 replies
1d7h

Someone should start a SaaS that just automates this process.

Thinking about it, the only moderately difficult part would be compiling a list of small-claims courts and understanding the different paperwork each one requires.

After that, the whole thing could just be a single page with a few form fields (email, insurance company info, upload purchase receipt), a credit card form for the SaaS to collect its fee, and an API integration that uses one of those physical-mail APIs to send out the paperwork.

jasonjayr
2 replies
1d6h

A use of AI/LMM I could support: read the policy documents and produce (or execute) the exact steps to get the insurance company to honor their obligations.

ericjmorey
0 replies
1d4h

The policy is largely written in code that will not be released to a policy holder.

danuker
0 replies
1d6h

Hell, even reading the policies and responding whether I'm covered (and where it says so/hints towards) would be a worthwhile service.

nojs
1 replies
1d6h

the only moderately difficult part would be compiling a list of small-claims courts and understanding the different paperwork each one requires.

In reality the difficult part would actually be getting your service in front of people like OP at the right time. How do you imagine the guy in this post finds you and pays for your service? Have you ever looked for a similar service yourself when you faced similar issues?

lolc
0 replies
1d5h

I think this is where search engine ads would work. The keyword is Anthem. The message is "File Anthem claims through us. Get paid in no more than 60 days or we waive your $10 fee."

xrd
1 replies
1d6h

Does small claims court work in some states and not other ones? I'm assuming you are us based? And my understanding was that small claims courts are very different in each state.

londons_explore
0 replies
1d5h

They are, but the basic idea works pretty much everywhere.

In general, small claims courts aren't very strict on the correct procedure being followed - they are explicitly designed to be accessible to non-experts.

epgui
1 replies
1d7h

That would be great if more than 0.2% of the population had a vague idea of how to access the legal system.

silverlyra
0 replies
1d

and this gets me wondering; what could we accomplish if we took 0.2% of the time we spent writing (let alone reading) internet comments, and instead used that time to engage in our state democratic processes, and help update our public school education standards to build a robust civil society!

my high school made sure I knew how to use both a band saw and a stand mixer; why not a courtroom? that's a systemic failure we could yet address

chrisandchris
1 replies
1d6h

Thinking about that I really start to love the Swiss version of health insurance where (with most providers) you'll just provide your insurance card and they'll pay first and then decide whether to get reimbursement from you.

Much more easier to fight than if you'll have to bring them to pay something you paid first.

from-nibly
0 replies
1d2h

That's generally how it works in the US as well.

Moto7451
1 replies
1d4h

We lost my wife’s CPAP while traveling. Through insurance it would have been a month of paperwork, an exception made, and $600. Without insurance it was no wait and $650.

Guess which way we went…

I’m sorry the author had to deal with any of this. A lot of pandemic scarcity and multiple recalls made it hard to get supplies for a long time. My wife’s first CPAP is out of commission because the parts will simply never be made again. In between the pandemic start and the “well we all gave up” point three new models, recalls, and various mergers happened but not one replacement set of filters were delivered.

If it was any sort of other filter I’d just buy a replacement from Amazon and call it a day, but that doesn’t seem appropriate for this situation. Some people did and apparently (per doctors not my own research or anything I can verify) old OEM and new but improperly made third party filters can start flaking off while the machine runs due to how CPAPs work.

Now though? Apparently it’s easy to get a new model and all the components from a supplier… at least if you skip insurance.

syndicatedjelly
0 replies
1d

If you need repairs done in the future, see if the local university’s biomedical engineering department has a student chapter of Project C.U.R.E. Students may volunteer to fix the device (off warranty of course). They work for free for needy families, and if you’re not in the former category, consider donating to their organization

https://projectcure.org/

jedberg
0 replies
22h20m

They'll pay and then drop you at the next anniversary. Can only use that trick a few times.

dmvdoug
0 replies
21h49m

However, your policy might also contain (more likely) an arbitration clause, requiring you to submit any dispute to arbitration or (sometimes) a form selection clause, requiring you to submit a dispute in a particular legal forum other than arbitration.

Note: some states do not allow forum selection clauses in insurance contracts, by statute or by case law. However, that will not stop a company from boilerplating it in. so, just because the policy might have the clause does not mean it’s necessarily enforceable.

On the other hand, I get the point that they may just pay the money rather than send it to legal to handle. YMMV.

Waterluvian
0 replies
1d4h

and when they don't reimburse within 30 days file in small claims court

The very nature of having to be adversarial and “guard up” on everything is what exhausts people and sours a culture. It’s also inaccessible to many who are already exhausted and just don’t have another manual process and battle in them.

quickthrower2
21 replies
1d8h

Met someone coming from US to Australia to visit and was nicely surprised you can just go buy a CPAP, cheaply with no referral. Just like buying a dishwasher or something.

Makes me wonder if in the US a trip to mexico or canada or somewhere could make this easier.

RecycledEle
20 replies
1d7h

Bingo!

As someone with multiple "pre-existing conditions" who cares for a stroke survivor (my wife) and a stage 4 chronic kidney disease patient (my mother-in-law,) I suggest we do the following: 1. make private health insurance illegal 2. pass a Constitutional amendment allowing every human the unlimited and absolute right to buy, make, modify, and sell medical things including importing and exporting those items.

It is cheaper just to buy things than to use insurance. The stock holders need to loose all of their equity then go to prison.

hn_throwaway_99
6 replies
1d4h

pass a Constitutional amendment allowing every human the unlimited and absolute right to buy, make, modify, and sell medical things including importing and exporting those items.

The ironically terrifying evidence about what a horrible idea this is is that it was just in the news that the FDA said that recalled CPAP machines made by Philips killed 561 people: https://www.cbsnews.com/news/fda-sleep-apnea-philips-recall-...

Karunamon
2 replies
1d1h

How does that not demonstrate the ineffectiveness of the regulations?

Plain old consumer device safety stuff would apply here.

snakeyjake
1 replies
23h32m

How does that not demonstrate the ineffectiveness of the regulations?

The only reason there was a recall was because of the regulations and the gargantuan and slow bureaucratic apparatus surrounding Philips.

Philips tried, and would have succeeded without the regulations, to brush this off. They stalled, delated, cajoled, and lied.

Consumer protection laws (i.e. just sue after someone dies) are almost worthless in this case. No amount of rationally acting rational actor's next of kins bringing individual actions after the death of a loved one would have gotten Philips to move. Those wouldn't have even occurred because the only reason the link was made was because of a medical device monitoring system put in place by the FDA and government medical researchers looking into anomalous death statistics whose only common factor was Philips CPAP machines and the ensuing technical evaluation. Numerous deaths occurred, were attributed by some other cause because dissecting a deceased person and examining their alveoli for microscopic particles isn't an action typically performed after someone dies of what appears to be a stroke in their sleep.

Indeed, when this whole mess first started Philips deflected and delayed for years and their teams of lawyers would have annihilated each individually rationally acting rational actor's lawyers one by one to protect their bottom line drowning each litigant in delays, appeals, and litigation by financial attrition as the cases popped up one-by-one.

"Duh gubmint" is slow and often ineffective, but in this case the only reason anything happened at all and Philips CPAP machines aren't still out there literally and actually killing people is because of "a fat cat gubmint parasite" enforcing "onerous and burdensome" laws.

Of course I could be wrong. We all remember how magnanimous and ethical corporations were prior to all of these systems being put into place, don't we?

Wait. We don't?

Karunamon
0 replies
1h3m

First off, thank you for the information.

Second, this comment would have been better without the final three paragraphs, which amounted to flame bait.

quickthrower2
1 replies
21h47m

They went too extreme. Maybe let people buy the device but it still needs to be manufactured to regulations.

However I don’t know enough about CPAP to judge whether you should need a doctors cert or some kind of training cert on the device. Can a CPAP harm you if you incorrectly use it / use incorrect settings?

thfuran
0 replies
20h15m

If a CPAP just did nothing, the users would be harmed. That's why they're using a CPAP machine in the first place. Or do you mean can the wrong settings be even more harmful?

cabaalis
0 replies
1d2h

I also have experienced various delays related to my cpap machine. I wonder how much of this debacle is because people in the know knew that this was coming, and therefore intentionally delayed anything to do with cpaps.

thfuran
5 replies
1d6h

pass a Constitutional amendment allowing every human the unlimited and absolute right to buy, make, modify, and sell medical things including importing and exporting those items.

I'm pretty sure I've never heard of a worse idea for a law. Removing any possibility of regulating the quality or efficacy of medicines and medical devices will injure and kill far more people than any resulting improved access would help.

dangus
4 replies
1d5h

Funnily enough, we have a constitutional amendment guaranteeing the right to own machines that are designed with the singular purpose of killing people. How could a “medical device second amendment” be worse?

j16sdiz
1 replies
1d4h

People owns and uses a gun know what can be done with it.

People uses faulty medical device, however....

xboxnolifes
0 replies
22h31m

The right to bear arms doesn't stipulate the right to buy any possible configuration of arms. The equal comparison is the right to use medical equipment as seen fit, not the right to purchase.

thfuran
0 replies
1d3h

The second amendment doesn't guarantee an unrestricted right to sell guns and isn't even really interpreted as an absolute and unlimited ability to own then these days. Furthermore, the abusive ways to use guns to the detriment of others are inherently illegal and don't scale. If the right to sell medicine were absolute, thalidomide couldn't have been barred from the US market or subsequently pulled and probably would've been laced with nicotine or heroin to make sure people keep buying it. But maybe that wouldn't have been a problem because it would be lost in a sea of snake oil.

ThrowawayTestr
3 replies
1d7h

Is step 3 to eliminate the FDA? The idea of letting randos modify and sell medical devices is terrifying.

RecycledEle
1 replies
1d3h

A CPAP is a simple device. It is a fan that generates constant air pressure, with a heater and a bit of water to humidify the air.

The idea that the law prevents me from pulling defective foam out of a device I own is terrifying.

elteto
0 replies
1d

Typical libertarian strawman. You can pull all the foam you want out of _your_ device. No one cares. The government least of everybody. You are free to hurt yourself due to the consequences of your own actions.

You can't go modifying some types of medical devices and then sell them to _others_ without going through some sort regulatory process. Simple as that.

elteto
0 replies
1d

This is the typical libertarian insanity: "Regulations are bad, ergo there should be no regulations. And once we get rid of them everything will just work because somehow everyone will still abide by _some_ rules, although they are not required."

GiorgioG
2 replies
1d7h

The problem is most Americans don’t have these types of chronic health issues, so it’s not an issue for them. I have a type 1 diabetic son, the amount of money we have spent on health insurance and medical equipment/supples is criminal.

wwilim
1 replies
1d6h

I feel sorry for you, man. I have T1D as well, but pump supplies + CGM work out to something on the order of $200 a month in Poland. I am not even sure how much exactly, because I don't bother to count since it's not big money for me. Still a lot given the median pay, and you still have to buy the pump out of pocket, but nowhere near what's going on in the States.

GiorgioG
0 replies
1d3h

Yep, I have a cousin in France who is also a T1D, he pays effectively nothing for his supplies (he tried pump+CGM but he's been doing injections for so long he found the pump to be a hassle.)

LegitShady
9 replies
1d8h

'don't buy anthem products, period, for any reason"

spondylosaurus
5 replies
1d8h

What's crazy is that Anthem is genuinely one of the least-bad insurance giants in America right now. The bar is incredibly fucking low.

vertis
4 replies
1d8h

I'll take the issues with Medicare (Australia) and the NHS (UK), both of which I have dealings with, over US healthcare problems any day of the week.

Every healthcare system has issues, but universal healthcare beats the pants off the US system any day of the week.

Ekaros
3 replies
1d7h

I take resource constrained over purposefully obtuse system. I can understand that people and medicine is expensive and inefficient(compared to farming and factories or tech). But at least these public systems seem to attempt to do stuff. And not be piled with bureaucracy to avoid paying out or increasing the prices.

p_l
1 replies
1d7h

An important metric in efficiency of systems is overhead. For health system, it would be how much money is spent on purposes other than the stated purpose of the system. Private insurance is never going to optimise for that, because low overhead means high utilisation of funds paid in, and low profits.

Commonly complained about polish NFZ (which, unlike NHS, operates through contracting to semi-private and private providers), has overhead IIRC of around 1%.

I don't have links on hand (maybe someone more recently versed on US insurance can check?), but I heard of common overhead levels in private insurers in USA being in range of 30%, mainly for claim acceptors/adjusters.

hyperpape
0 replies
1d7h

I believe insurers are required to spend 85% of premiums directly on medical care: https://news.ycombinator.com/item?id=37977842.

(Not saying that's the right number, health care in the US is out of control).

vertis
0 replies
1d7h

Indeed. The incentives are all in the wrong place in the American system.

gorbachev
2 replies
1d4h

These days I am screening potential employers with who they use for their medical insurance plan. There's absolutely no way I'm ever going with United Healthcare Group ever again.

spondylosaurus
0 replies
22h5m

LOL, I had a phone screener three days ago and did the exact same thing. Asked which health plan they offered with the explicit purpose of filtering out UHC. They're the lowest of the low and even doctors hate them. (At least one of mine audibly groaned when I mentioned being on a UHC plan and then he said "Guess there's no point in trying <drug>."

astura
0 replies
1d1h

Problem is, insurance contracts are only for a few years then employers shop around and it's usually cheaper to switch than to renew.

NelsonMinar
8 replies
1d2h

"Compliance" is the other half of the US insurance nightmare with CPAP. Often insurers demand access to logs of the machine to verify you are actually using it before they will reimburse you. CPAP machines have an elaborate tamper-proof logging mechanism including a cellular modem for data uploads outside your control. Largely to enable surveillance by US insurance companies.

In addition to the surveillance being offensive and intrusive it also harms sleep apnea treatment. Some half of people who need a CPAP find they have a hard time learning to use it, difficulty sleeping with the mask on. It's mostly a psychological problem and one stressor for it is the fear that if they can't get it to work then they will be on the hook for $$$$. So they have a harder time sleeping and give up on the CPAP. It's hideous.

All that being said, CPAP can be life-changing if you have sleep apnea. If you suspect you have a problem breathing while you're asleep please talk to a doctor about it. CPAP works well for a lot of people but there are other treatment options too.

_qua
7 replies
1d

As someone who treats people with CPAP, it’s absurd how many people get them and then don’t use them hardly at all. Yes there’s an adaptation period where you need to get used to using it, but you do need to use it for it to do anything. It doesn’t seem crazy for insurance to want to not keep paying for something that is sitting under a pile of clothes in the corner.

mikebenfield
2 replies
4h25m

I tried to use a CPAP machine for a while. I honestly could never figure out how I was supposed to breathe with it. At all. It seemed to be physically impossible. I'd try for a while each night, then get frustrated and stop so I could get some sleep. Completely useless to me.

Fortunately I was able to just return it, but if I hadn't been able to, why should that mean insurance wouldn't cover it? I was prescribed this device and it didn't work for me.

shimon
0 replies
3h28m

Insurers don't want to pay for unnecessary treatments, including equipment. Maybe your provider could have done a better job selecting the right mask or settings for the CPAP? Maybe they could have trained you in their office?

I'm not saying the surveillance and payment-held-hostage model is the best, but it does at least attempt to provide some useful incentives.

NelsonMinar
0 replies
28m

I'm sorry to hear you had that problem, you're not alone. I hope you found some alternative treatment that works for you! It's possible to succeed with CPAP even if it's hard at first, too, with various adjustments. I hope you've found a way to get a good night's sleep.

logbiscuitswave
1 replies
22h31m

How do you feel about the new surgical options like Inspire Sleep as an alternative for people who can’t tolerate CPAP?

_qua
0 replies
20h29m

It's a lot more involved than CPAP. You need to have a low enough BMI to qualify which excludes a not insignificant proportion of apnea patients. You need to have predominately obstructive sleep apnea since the device can't treat central apneas (where you just stop attempting to breathe). You need to be fit enough to tolerate surgery. You usually need to have an induced sleep study where you get put to sleep with propofol while someone uses a nasal endoscope to watch what part of your airway becomes occluded when you sleep to see if it's even something that can be treated with the device. And then even after all that the device essentially zaps your tongue to make it move and open your airway and for some people they find this intolerable, and the device needs to be turned off. After all that I think it's effective in about 50% of people.

So given all of that, I think it's better to work on trying different masks and other strategies for getting used to the mask before considering the implant.

elric
1 replies
23h44m

I don't know. I feel like the compliance checks are more expensive than the machines at this point. They retail for around $/€ 500. I suspect that sleep centres (or whoever hands out CPAP devices to patients where you are) get significant volume discounts. Say they last for 5 years. That's a near zero cost.

Of course, someone is upcharging somewhere, but that's hardly the patient's fault.

prepend
0 replies
22h44m

I went through this with my provider and insurer, Aetna.

They had me rent the machine for 30 or 60 days. The machine had a cell modem that reported data to medresair, the manufacturer, and my sleep clinic checked that. A nurse called me twice to check in, sent the something to the insurer and after 60 days submitted a new claim.

It was actually one of the most efficient processes I’ve ever had with my insurance.

Like everything in the US health system, experiences vary depending on provider and payer.

thegrizzlyking
7 replies
1d8h

Are there any studies estimating the cost of this kafakasque nightmare? End of the day users pay for this via higher premiums. I am sure doctor's offices also face something similar.

onetoo
3 replies
1d7h

No, but, you see, the system is privatized, therefore it must be more efficient. /s

eastbound
2 replies
1d7h

The upside of inefficient privatized process is that you can replace them.

genocidicbunny
0 replies
1d7h

Well the kicker here, is that the process is not inefficient. It's just efficient for someone other than your average person. If anything, for the people that care and can do something about it, the process is inefficient in the opposite direction -- it's not bleeding as much money from the consumer as it could be.

ericjmorey
0 replies
1d4h

LOL

If only.

lolc
0 replies
1d5h

Clearly it leads to lower premiums (or higher profits) because many claims are abandoned.

kevincox
0 replies
1d6h

Not to mention Aphyr spent lots of (expensive) time on the other side. I think Anthem should have to compensate him for all the time that he had to waste.

hyperpape
0 replies
1d7h

I don't know of anything like a comprehensive estimate, but there are people working on documenting and quantifying these costs: https://springboardpolicy.medium.com/getting-to-know-the-tim....

mikigraf
7 replies
1d8h

It’s surprising to me that not only in my home country is the process of having a CPAP machine covered by insurance a long and complicated one.

In my case, it took almost 12 months to receive my first CPAP machine, which then turned out to be refurbished. Initially, I had to visit a doctor, who had an available appointment in two months. He then referred me to a sleep laboratory (another two-month wait). After my sleep study, they sent me back to the doctor, who confirmed I had sleep apnea and said I needed to return to the sleep lab to test some settings—a further two months’ wait.

Then, after more than a month waiting for the next appointment, the doctor informed me that the settings they had tried were too low and wanted to send me back to the lab. I disagreed, but he gave me the prescription, and two months later, I received a CPAP machine with incorrect settings that didn’t help much.

Eventually, I purchased my own Philips Dreamstation Go because it automatically adjusts the pressure, and I’ve been sleeping well ever since.

mdekkers
2 replies
1d8h

After an initial round of bullshit with the local government insurance agency to get my CPAP including the multiple “two month wait for x”, then a 6 month wait to get the machine, and subsequently struggling to get it serviced, I bought my own for a few hundred EUR and been doing that for nearly 10 years now.

ThePowerOfFuet
1 replies
1d8h

At least people who don't have your means have another option.

mdekkers
0 replies
1d8h

I don’t have much in the way of “Means”, I just enjoy breathing and set my priorities accordingly. Also, where I live the most expensive CPAP costs like 1800 EUR. Mine costs 900 EUR

waltwalther
1 replies
1d8h

Sounds like you are in the US.

mikigraf
0 replies
1d8h

Haha, I’m in Germany

dendrite9
1 replies
21h11m

Just in case you missed the news about the recall and issues with Philips CPAP machines. You might want to check if there is anything that you can or need to do. The disintegrating foam seems like an unpleasant flaw in production.

https://www.fda.gov/medical-devices/safety-communications/up...

mikigraf
0 replies
20h46m

Thank you, I appreciate it. Luckily my machine is not under recall and was produced in March of 2023

dmazzoni
7 replies
1d

I use Kaiser Permanente as my health care provider. For those who aren't aware, it's one of the few "integrated care" providers in the U.S., meaning they act as both the health insurance and health care provider.

Now, Kaiser is FAR from perfect - they have their share of problems.

But....this sort of nightmare is not one of them. With Kaiser, doctors are free to prescribe whatever they think is medically necessary, and if they prescribe it, it's covered, guaranteed. There's no separate claims department.

Obviously there are some exceptions, like if it's an emergency and you need to get care outside of Kaiser and then submit a claim.

But, the vast majority of the time it just works.

Now, sometimes we aren't happy with what Kaiser offers. So then we go outside of Kaiser and pay out-of-pocket.

Our friends sometimes tell us we're crazy when we do that. We just spent $1200 out-of-pocket to see a specialist because Kaiser didn't want to refer us. What they don't realize, though, is that we saved $3000/year by choosing Kaiser over the next cheapest health insurance provider from our employer. So we're still coming out ahead.

And most importantly, we have the peace of mind knowing that any time we end up in a Kaiser hospital, we'll never once see a bill.

I think we really need more integrated systems like Kaiser. Imagine if there was actually competition in that space, where you could choose between competing hospital systems that came with complete integrated coverage, no middle man.

seattle_spring
4 replies
1d

I'm a Kaiser member and have to get CPAP supplies through a company called Apria. It has been the absolute most godawful experience I've ever had dealing with a company. Worst than a thousand Comcasts. I genuinely don't understand how you could be a CPAP patient with Kaiser without dealing with Apria?

patja
0 replies
21h46m

I have Kaiser and when I need a new CPAP or supplies I just order from CPAPMan or whoever, and pay out of my HSA account. Not all plans allow HSAs though.

logbiscuitswave
0 replies
22h32m

My DME used to be Lincare was equally terrible. They were awful. They never had replacement consumables in stock, and I had to deal with months worth of delays to get things I needed. That’s why I went to CPAP.com (like OP) for a time. It was annoying having to coordinate with my insurance company to get reimbursements since they didn’t direct bill, but at least I would always have my equipment on time. (As a bonus, it was cheaper than Lincare to boot.)

ebergen
0 replies
2h22m

I was supposed to go through Apria during the shortage a few years ago. They kept giving me longer estimates for when a machine would be available. After calling and waiting a few weeks I bought my own online and had it the next day. It was worth the out of pocket to get a cpap sooner as I was barely able to function at work due to sleep issues.

I refuse to do business with Apria. They’re the worst company I’ve ever dealt with.

FireBeyond
0 replies
21h2m

My girlfriend had the same experience literally this week. The whole thing was Kafkaesque.

She got sent an at home sleep study kit. Set it up, did it. Waited, nothing. Had a run around between the sleep center and her physician. Eventually got a hold of someone. "Well, of course you don't have results, you need to send it back to us. And if you don't they'll charge you $1200 for it". "Uhh, the kit gave me a PIN and specifically said I could dispose of it afterwards" (she hadn't, yet, in case she needed to redo the test). "Oh, well, no-one told us that!" (How is this surprising to you?)

In any case, someone reviews her study, diagnoses her with sleep apnea, writes a script for a CPAP.

She surmises this, because she never spoke to anyone, or got any messages in her portal. She realizes when Apria calls her to verify and confirm details for the CPAP machine (I think she pays $170, then $19/month for 3 months to rent it while they establish compliance, and then if she is using it, Kaiser will pay for it).

She confirms everything and waits. And after a while, sees it's still in "label created" tracking status. Calls them. "Oh, we're waiting for this form from you", that until now she's never been told about. She gets it emailed to her, signs, scans, sends. Asks questions about mask options. "Your provider will discuss that with you."

Uhh, you're about to ship this now. She hasn't spoken to any provider, and the sleep center and the physician are debating over who should talk to her, I suppose?

So she looks over them with me. I'm not a doctor, though I'm a paramedic. I'm experienced with ventilators and occasionally giving acute patients CPAP treatments. So I can talk with just enough knowledge to be dangerous. So we pick out a mask, and finalize.

CPAP arrived on Friday. No-one's spoken to her about it, so she's like "I guess I just start wearing and using it". I had to adjust a few settings for her around pressure and ramp and EPR (expiratory pressure relief) to help someone new to therapy acclimate to how it works.

So, ironically, though not good by any definition, Apria ended up being the best part of the process.

lepus
0 replies
1d

That works sometimes, but you could still get screwed if that out of pocket care is wildly expensive. A friend of mine needed a drug that costs about $85k total but was the only effective treatment at the time, and Kaiser doctors told him they wouldn't prescribe it until his condition started giving him organ failure(!), so he had to switch insurance to get it and luckily the timing worked out.

koops
0 replies
1d

Agreed. The best part is that you don't need to second-guess decisions wondering whether or not the course of action is better financially for the decision-maker.

tomohawk
5 replies
1d5h

Alternatively, try a low histamine diet. Many people who have been told they need surgery to correct "deviated septum" or need cpap have found their problems go away.

Edit: to downvoters - why the closed mind?

seattle_spring
3 replies
1d

Edit: to downvoters - why the closed mind?

Unsolicited medical advice is not appropriate. It suggests that the people suffering from the condition in question have put literally zero effort into solving their problem, when in reality they likely have already heard about and tried every "trick" or "alternative treatment" you're going to suggest.

Other common scenarios:

* Telling a chronic pain sufferer to "just try cannabis, it works better than pharmaceutical pain killers!"

* Suggesting [common behavioral quirk] is a very obvious sign of ADHD, and encouraging them to take Adderall.

* A whole host of "x supplement fixes y chronic condition" suggestions.

tomohawk
1 replies
18h57m

Let's not conflate "medical advice" with the suggestion on HN that you might want to look into a dietary change. That seems like a form of catastrophization.

If you can fix a problem by changing your diet, is it really a medical problem? Just because it relates to your health or body doesn't mean it's medical.

I know people who have made this diet change and it has changed their lives. They don't snore anymore. They don't need cpap.

If you're curious, look into it. If you're not, you're not.

eesmith
0 replies
9h59m

If you can fix a problem by changing your diet, is it really a medical problem?

Yes, without doubt.

Scurvy is a medical problem (very often) fixed by changing your diet to include vitamin C.

Beriberi is a medical problem (very often) fixed by changing your diet to include more thiamine.

Quite a few people have allergic reactions to the content of their food, like celiac disease due to an allergic reaction to gluten, which is resolved by switching to a diet without that component.

Some young children got lead poisoning because they would eat paint chips which tasted sweet due to the lead content. Their medical problem is helped by switching to a non-lead paint diet, often by removing the old paint from where they live and repainting, or by moving somewhere without lead paint.

I know people who have made this diet change and it has changed their lives. They don't snore anymore. They don't need cpap.

Snoring does not mean someone needs a CPAP machine. How were they diagnosed? How severe was it?

Was the food actually low in histamines? How low was it? Did it affect histamine levels in the blood? As I pointed out elsewhere here, the histamine variability in foods is quite high, and hard even for nutrition professionals to get right.

Is there a response curve between the amount of histamine and the amount of obstructive sleep apnea?

How do you know the cause was due to low histamine vs some other dietary change? For example, it seems excluding citrus fruits is part of a low histamine diet even though they do not contain histamine because they are thought to "trigger the release of endogenous histamine" (quoting that paper). But perhaps there is something else in the citrus - the acid content, for example - which causes the problem.

How does an low histamine diet compare to taking anti-histamines? Why should we expect the former to work if the latter does not? What is the proposed method of action?

We have only to look at the history of scurvy and vitamin C treatment to learn how important it is to understand the details of why a treatment works!

How long does it take for the change in diet to affect people? 1 day? 1 month? 1 year?

Does it work for everyone with obstructive sleep apena or only a sub-population?

If you're curious, look into it. If you're not, you're not.

I was curious. I looked into it. There appears to be no substance behind the idea.

FireBeyond
0 replies
18h5m

Precisely. My deviated septum had a 90% occlusion to the right nostril.

No diet is fixing that cartilage.

eesmith
0 replies
1d1h

I was not able to find any paper on Google Scholar about a study on the effect of a low-histamine diet on obstructive sleep apnea. How many is "many" and where is this documented?

The few matches for low-histamine diet and apnea come from what I would consider fringe and untrustworth research, often suggesting a low-histamine diet helps a large number of medical issues, but not pointing to study giving numbers, describing the severity of the apnea, and other things I would expect.

I was able to find papers which studied the effect of anti-histamine drugs on obstructive sleep apnea, like https://journals.sagepub.com/doi/abs/10.2500/ajra.2013.27.39... for when people also have allergic rhinitis. "adding [anti-histimines] to this treatment did not show improved effects compared with placebo treatment". I presume people taking anti-histamines would have a lower amount of histamines in their body, so if there were a correlation it would have been seen. (Alternatively, it says that a low-histamine diet is not effective for CPAP when suffering from allergic rhinitis.)

It is apparently quite hard to identify what "low-histamine diet" means. In "Low-histamine diets: is the exclusion of foods justified by their histamine content?" at https://www.mdpi.com/2072-6643/13/5/1395 , which specifically concerns "the symptomatology of histamine intolerance", notes the "great heterogenicity in the type of foods that are advised against for histamine intolerant individuals. Excluded foods were, in most cases, different depending on the considered diet. Only fermented foods were unanimously excluded."

The design of a low-histamine diet is challenging due to different handicaps. One of these is the lack of consensus on the histamine level below which a food is said to be considered low in histamine. Thus, variable histamine levels in food ranging between 5–50 mg/kg have been pointed out as potential thresholds, while other authors are much more demanding and consider foods with low histamine concentrations to be those that contain amounts below 1 mg/kg [ 12 ,26 –28 ]. Moreover, there is no specific regulation for the food industry to declare the occurrence or absence of histamine in food labelling, which could help histamine intolerant individuals to make suitable and informed choices.

Overall, providing dietary recommendations and guidelines in the frame of a low-histamine diet is difficult for healthcare professionals.

If it's difficult for healthcare professionals to even determine what is low-histamine - and that's for people who are specifically histamine intolerance - and no studies to back up your suggestion ... why should anyone think your proposal has merit?

There is a long history of using the "why the closed mind?" argument to sell snake oil treatments, so I would not advise using argument and instead point to supporting evidence.

bhoops
5 replies
1d4h

Why dont you just ask someone coming from India to get you one ? They are available over the counter in India and there are a lot of Indian people hopping on a flight to the US all the time. I am sure there is someone in your office you can request, or someone in your locality.

candiddevmike
4 replies
1d4h

You really need a professional to configure the CPAP, otherwise it can mess up your lungs (too much airflow) or make your sleep apnea worse (not enough airflow).

That's why these are considered a prescription--the prescription is the settings on the machine.

jzig
2 replies
1d3h

Not at all. You can figure out how to configure one yourself with a few hours reading on /r/CPAP or watching YouTube. Source: myself after trying to acquire one and get it configured for months through a similar bureaucratic nightmare as the article.

exhilaration
1 replies
1d1h

I'd love to try a CPAP, any suggestions other than asking an Indian coworker to bring one back? Is there a gray market? Maybe Mexican mail order pharmacies?

I'm the US with health insurance but I bet it'll be more expensive to go the legit way.

jzig
0 replies
23h59m

Buying/Selling medical devices is illegal so you won’t find any reliable website or marketplace. You can sometimes find people trying to get rid of one (for free or for sale) on /r/cpap and /r/cpap_swap

Most of the time you have go through a sleep study to get one. I got very lucky during the pandemic and my allergist ordered one (no sleep study) after explaining that I was waiting months for a sleep study and having suicidal ideation from weeks of waking up every ~15min.

bhoops
0 replies
2h15m

Yes thats somewhat true, but I find that such professionals are very hard to find. Not just in India, but all over the world. OTOH there are sites like apneaboard.com and reddit/r/SleepApnea where you can learn to configure for yourself.

tylervigen
4 replies
1d3h

I've worked on the claims management process flow for payer like Anthem before. It's probably obvious, but this story hints at some serious deficiencies in the backend processes.

One way to look at it is that this Byzantine process helps Anthem by trapping valid claims in a black hole of bureaucracy. That way they don't need to pay, right?

It's not quite that simple. It's true that incentives are not usually aligned, but in reality the payment P&L impact is often far away from the claims processing administrative decisions. At many payers (like Anthem), the ultimate 'payer' for most of the cost may not actually be Anthem. They may be the third-party administrator charging back to an employer, or the Federal government. Even if it is Anthem, the owner of the cost center for this broken administrative process is almost certainly removed from whomever runs the actuarial accounting to decide what kinds of services to cover and how much to charge customers (except, as the author found, once they unite at the level of the CEO).

Ultimately for Anthem, this claim cost them a lot more to handle than if they had just paid out in the first place - even if they were the ultimate payer. Consider how much time the author spent on the phone with customer service representatives. Many of those were almost certainly contracted out and charged to Anthem by the minute. Then consider the claims processing backend, also likely contracted through third-party claims processing and management systems. It would have been simpler to manage the first one straight through.

Usually what it comes down to is that it is hard to estimate the ROI for investing in fixing a problem like this, because the benefits are spread out over many small cases. One way to prove it out is to highlight some of those small cases so that payers feel the pain and recognize the need for change. Thus, I am glad the author published this complete story.

pas
3 replies
1d2h

They may be the third-party administrator charging back to an employer,

can you please elaborate on this? does this mean that some companies (employers) directly see and pay their employees medical stuff on their books?

Ultimately for Anthem, this claim cost them a lot more to handle than if they had just paid out in the first place

... well, of course, but the whole middleman game costs the US many many many serious percents of each year's GDP. and probably the whole culture of reimbursement despair makes a lot of money to insurance companies, and even probably keeps rates a bit lower than they ought to be, and keeps people sick (and of course eventually leads to more serious problems that in turn cost a lot more, but if those are shifted to pensioner age then they might be covered federally, right? again a win for the insurers)

patja
1 replies
21h50m

This is how a lot of big companies work. They self-insure. They set the rules, pay all the bills, and the insurance company just administers things.

If you work for a company that does this, be aware that the things you dislike about your insurance coverage may well have been designed that way by your employer, not the insurance company. Don't curse the insurance company when you don't like the benefits. Ask your manager and HR department why your employer chose that rule or limit.

shimon
0 replies
3h22m

Almost every sufficiently large employer does this. Instead of paying premiums to an insurance company which owns the risk (and also makes a profit from that) the large employer pays the actual costs of care, and a percentage to the insurance company for the administrative work (using their provider network, claims processing systems, etc.).

jffry
0 replies
1d1h

Yeah companies directly running insurance is a thing: https://en.wikipedia.org/wiki/Self-funded_health_care

yegle
2 replies
1d2h

I too had my bad interaction with my insurance company. Out of blue they start rejecting my doctor's prescription for a very common (and cheap) medication. It took me more than 1 month with my awesome primary care doctor's persistent to figure out that the 1000mg version of my medication is the reason it got rejected. My doctor has to prescribe the 500mg version and I simply take two pills.

But no communication from the insurance company told me that.

ncallaway
0 replies
1d

I think every denial from an insurance company (that’s denying care prescribed by a doctor), should be required to come from a named and licensed doctor, who is responsible for your care as if they are the treating physician (and thus subject to the same medical malpractice laws).

A denial should be required to come with either an alternate treatment plan, or an alternative diagnosis and treatment plan.

If a doctor issues a denial after reviewing your case for 3 seconds (as has happened in the past), they should be liable for medical malpractice lawsuits.

In your case, that would mean the denial would be required to come with an alternative treatment plan, which would say 2x500mg.

francis_t_catte
0 replies
1d

I had a similar experience with a common, cheap medication, where my insurance started denying the prescription out of the blue. it took several weeks of back and forth with my doctor, and then a lengthy amount of time on hold with the insurance, company where the exasperated pharmacist and I were eventually told that only 15, 24, and 90 day in person pickup supplies were now covered.

my prescription was for a 30 day supply.

geekpondering
2 replies
1d8h

I move around a lot and have run into all kinds of weirdness when it comes to CPAP stuff. Any time you establish a new doc, if your CPAP prescription is more than 1-2 years old you need to do another sleep study, so I think I've done 6 different sleep studies over the years.

The other thing to remember about CPAP is that it's not just the machine, you have to get replaceable supplies - masks, air tubes, etc every so often.

While not nearly as bad as linked blog entry, my worst situation was with Kaiser in the SF Bay Area. I had gotten a CPAP through them and then a few years later moved to a different part of the Bay. I set up a new doc also with Kaiser, but the records don't easily transfer and since it's a different Kaiser respiratory team, I had to (of course) do another sleep study AND go through a CPAP orientation on how to use a CPAP despite me already owning and using a CPAP and just needing a new mask, etc.

eek2121
1 replies
1d6h

I get my supplies from illegitimate sellers on amazon precisely because of this.

I also learned how to adjust my machine manually because it was taking way too long to schedule new sleep doctor appointments and then appointments with the DME provider…I shouldn’t have to wait 6 months to a year in order to to get quality sleep.

I will never understand why a prescription for my BiPAP or my glasses is required. It is all pointless bureaucracy.

anjel
0 replies
1d2h

Moats are gonna do what moats are designed to do.

spondylosaurus
1 replies
1d8h

Ha, I know Carelon! It's their pharmacy division for specialty (read: expensive) medication. Not a clue as to why they'd be involved in a CPAP claim, but this story does ring far too close to home.

I once spent months fighting United Healthcare to stop hounding me for a $2k bill that I categorically did not owe. Countless phone reps were unable to remove it from my account; I only solved the problem by making a big enough stink on Twitter for someone from corporate to get involved. Good times!

logbiscuitswave
0 replies
1d8h

Carelon also does preauthorizations for various expensive procedures and such. I’ve had the displeasure of having to try to coordinate between my insurance provider and PCP’s insurance coordinator for authorizing some expensive blood tests. Insurance wanted the PCP to use Carelon, Carelon automatically denied it, the appeals process was designed to be as frustrating and opaque as possible.

(Unlike the OP, I didn’t have the patience to spend two years navigating the kafkaesque nightmare they did. I finally gave up after a couple months of being stonewalled by all the parties who would refuse to talk to one another and me trying to be the middle man. I never did get the blood work done. So much for preventative medicine.)

pockybum522
1 replies
1d9h

This feels like every health insurance endeavor I have ever attempted.

In any other industry, this would be called "fraud."

legutierr
0 replies
1d6h

In any other industry he would have switched to a company that was better run.

gotbeans
1 replies
1d8h

Congrats on triggering my chronic anxiety.

I dread the day I require anything complicated that requires medical/insurance bureocracy in this country. I've had already ungodly share of issues with Aetna because they capitalized my surname.

chromakode
0 replies
1d8h

I had my first serious medical procedure a year and a half ago, which required a rare specialist. My insurance, Anthem Blue Cross, covered everything, and called and mailed me ahead of time confirming my hospital stay at UCSF was approved and in network. So, YMMV.

blincoln
1 replies
23h58m

Having one's tonsils and adenoids removed and getting palette-hardening RF treatment seems like it would be a lot easier and more permanent than this rigamarole. Worked for me, and I suspect it would for a lot of other folks too.

elric
0 replies
23h48m

I don't think advocating for invasive surgery is a good way of dealing with awful insurance bureaucracy. With OP's luck, he might need 666 days to get his hospital fees sorted by insurance.

Snark aside, AFAIK palate hardening is not terribly permanent, it works by creating scar tissue, which can become more floppy than the original tissue as you age. It's only useful if a floppy palate is causing obstructions/snoring. Removing tonsils and adenoids will may free up some space in the airway, but it's not going to make any difference if they're not the cause of the obstruction, and this may weaken your immune system.

While I'm sure you were trying to be helpful, I do wish people would stop treating sleep apnea like it's something that's easy to fix. Just have these body parts removed. Just lose weight. Just get on CPAP. Just fix your allergies. Just have your jaw broken and moved forward. Just have an electrode implanted. Etc.

xyst
0 replies
1d4h

Have had similar experiences with UHC for some very expensive injectables. Fortunately, my doc’s back office handled the appeals process to get it approved. Keep in mind I am paying a higher premium for a PPO plan vs an HMO plan offered by employer.

Doc’s back office submitted 3-4 “appeals” to get it covered. Each review was reviewed by UHC personnel. Probably someone like this guy [1]

I fucking hate private insurance. It’s a useless middleman that is driving the costs of healthcare up. We can have the most advanced healthcare available but it’s largely inaccessible because of health insurance industry. They will make it as difficult as possible so you either give up or end up paying out of pocket.

[1] https://m.youtube.com/shorts/YF6MDTvZlNA

wsintra2022
0 replies
1d3h

I read how to replace your Crap and was interested briefly.. I got a lot of crap laying around that needs replacing

woodruffw
0 replies
1d7h

This was a nightmarish read. I'm glad he was eventually able to get the replacement paid for.

On top of your state's DOI, there are a few agencies that can (typically) be used to bring insurance and other companies more swiftly into compliance with the laws they're meant to proactively follow:

* Many state AGs are responsive to well-documented problems and will send a warning on official letterhead.

* This won't work for insurance, but the CFPB[1] has a relatively smooth complaint process for financial issues, and (anecdotally) generally produces a rapid outcome.

[1]: https://www.consumerfinance.gov/

tshirttime
0 replies
1d3h

Forget the CPAP. If you're having trouble sleeping, just read this longwindedness.

thih9
0 replies
1d8h

CPAP = Continuous Positive Airway Pressure ventillation - a mask, a hose and a flow generator. Treatment for obstructive sleep apnea.

https://en.m.wikipedia.org/wiki/Continuous_positive_airway_p...

steve-atx-7600
0 replies
1d

I'm fortunate enough to afford to buy my machines out of pocket. Just trying to obtain a machine the insurance way was taking weeks (before covid even) and I got pissed off and figured out with my Perscription I could buy one on cpap.com with Amazon like service. However, obtaining the equipment was just the first hurdle for me. Thereafter, I approached finding the right settings as a search problem and eventually got some relief. Since I was not a severe case - at least by the "average of bad events" metric from the machine - I wasn't able to get much attention after trying several providers. I eventually bought a bipap machine after reading forums and hoping that more knobs to turn on the machine could yield better results. This helped a lot and again I'm lucky to be able to afford a new one without insurance. There's a lot of opportunity for improvement in this medical tech space.

sanarothe
0 replies
1d3h

Reimbursement is the #1 barrier to bringing a novel therapy to market in the US for the company I'm working for. The technology is decades old and proven (the novel part is where it's being put in the body) - the clinical benefits are now proven.

But it's a battle to get US insurance to cover the therapy - we have about 3x more patients confirmed as clinically eligible than actually get the therapy. (That is to say, US insurance rejects ~75%+ of claims).

As a result, there is an entire segment of the org dedicated to reimbursement. We have a team of professional insurance-bullshit-waders - they call, they file claims, they follow up, and I hear them asking for Document Control Numbers and Call Reference Numbers. There are 'Government Affairs' people who lobby with the VA and Medica{re, aid?}.

The payer barriers outside of US have been much lower. (But EU has it's own problems with medical device barriers... a rant for another day.)

r2vcap
0 replies
1d5h

It is interesting to see how CPAP is used and covered by insurance in different countries. In my country, South Korea, CPAP is available for rent if you have certain medical conditions, and the rental price is fixed. I pay 15 USD (20K KRW), and the Korea NHS pays 60 USD (80K KRW) per month. I've been using Löwenstein's CPAP, and it works great without any problems.

pgraf
0 replies
1d

Might have been useful to establish a paper trail instead of calling them. Have a look at the great article by patio11 for ideas how to establish one: https://www.kalzumeus.com/2017/09/09/identity-theft-credit-r...

mattmaroon
0 replies
1d5h

But we can’t have public health insurance because the lines will be too long.

joatmon-snoo
0 replies
1d8h

Another avenue of escalation is also via your state congressional rep / federal congressional rep. Their offices should always have a constituent services function whose very purpose is to help their constituents navigate these bureaucratic mazes.

(Disclaimer: I’ve never had to exercise this personally.)

ivraatiems
0 replies
23h12m

God, reading this is awful. I have a CPAP and I would not be willing to go one night without it. I'd buy the parts/machine out of pocket and make insurance pay for it later. The impact on my health and quality of life is way too high.

But I'm privileged to be able to do that. I can shell out $1,000 for a medical device in an emergency, and my doctors are local and return my calls. Not everyone is so lucky.

gorbachev
0 replies
1d4h

I had a similar story once on an medical insurance coverage situation, which only resolved itself when I dug up the contact information of an employee at the insurance company from Google/LinkedIn and directly contacted the person.

Going through the official "process" was just handing me from one department to another until it went back to the original department, and the cycle started again.

globallyunique
0 replies
21h47m

For those who are looking for a cpap now in the US (maybe for other countries - haven’t tried) - https://cpapx.com/collections/resmed/products/airsense-10-au...

You can order one for 450 before taxes there.

You will have to email your prescription though before they process the order.

Ordering a backup one (or more) is very useful to leave in your travel suitcase etc

genocidicbunny
0 replies
1d7h

Medical, and especially medical related insurance stuff, is one of the few things that drives me up a wall enough to add to my 'burn this chickenshit outfit down' list.

This is a great example of why.

ergonaught
0 replies
1d5h

Have been trying to replace my (recalled) machine for about a year, now, myself.

Asinine.

dramm
0 replies
1d

Anthem Insurance staff just following their Claims Manual, Section U.

dekhn
0 replies
23h55m

I have one rule when it comes to these things. Play dumb. Don't try to be smart. It's remarkable how the system detects people trying to be smart and considers it abuse and deals with it using high latency.

I found any number of people I worked with were much more productive (car repair, internet service, insurance) if I avoided any speculation about what the problem was, or what the solution could be. Like other folks in this thread, I identify as mildly autistic, and dealing with normies in the service industry took a lot of retraining my mental model of how things work.

ch33zer
0 replies
1d9h

This made me furious. I would have given up long ago, which of course is what anthem wants. Congrats to the author for sticking with it.

bytearray
0 replies
1d4h

Insurance companies are just legal scams. They take your premiums then come up with whatever excuses possible to avoid or delay paying out on legitimate claims.

anonu
0 replies
1d

I ended up just buying a CPAP. Ultimately, its not easy to sleep with one. I use a MAD now and my experience has been substantially better in terms of persistence in using it and less snoring. However, it has caused my teeth to move which is a tradeoff I can deal with.

RecycledEle
0 replies
1d8h

This is too common. The author of the article asked for the wrong thing from the wrong people. He should have asked his sleep doctor (which he calls the sleep center) for a new CPAP. By asking for a repair from his insurance company, he caused himself lots of grief.

I doubt he has a list if his doctors that his insurance companies or doctors would agree with.

RecycledEle
0 replies
1d7h

From the article: > Listen, gobsmacked, as they explain that they decided your claim was in fact an appeal, and transferred it immediately to the appeals department. The appeals department examined the appeal and looked for the claim it was appealing. Finding none, they decided the appeal was moot, and rejected it.

Tell me why this is not fraud. Tell me why insurance company employees are not facing prison time.

HumblyTossed
0 replies
1d6h

Health care needs an enema.

I think one thing I would have done different when i switched primary I would have gotten a new Rx.

Not sure how much trouble that would have saved in the end but that is just what I tend to do.

Havoc
0 replies
1d5h

Making sick people jump through a million hoops takes a special kind of evil.

Glyptodon
0 replies
1d1h

The longer I've had a CPAP the more I've thought they should be more over the counter because literally any problem is unresolvable without it taking too long. Though this case is extra insane.

EasyMark
0 replies
1d1h

Got rid of mine by going on keto/16-8 fasting by dropping 80lbs over about 9 months.

CaliforniaKarl
0 replies
1d8h

Reading this depressed me: I imagined the title being “How to get your GMail/XBox/PlayStation account back in only 666 days.”

I worry that, some day, tech companies will be under a regulating agency like insurance is today. If that happens, we’ll probably deserve it.

867-5309
0 replies
1d7h

Continuous Positive Airway Pressure