[poisonbug]

This happened to me as well. When I received my first CPAP machine there was a mechanical issue with one of the components. The replacement device got lost in the mail twice, and therefore I didn't meet my insurances 4-hour/night minimum required to keep the device, and I was now financially responsible for paying for the device if I wanted to keep it -- despite my doctor saying I need it.

I had to fight tooth and nail with my insurance, the CPAP supplier, and the third party that manages the monitoring of the device for my insurance. I was spending 5-10 hours per week for more than five months trying to get this issue resolved, including getting payments sent to creditors recalled. In hindsight, I should've hired a lawyer to deal with it.

It required my doctor to write a note and personally have a phone call with the insurance to explain the situation before they promised to give me a "second chance to reach the 4-hour/night requirements". Even after that I had to play middleman with multiple companies and become an advocate for myself to get the health care I needed despite already having top-tier insurance.