Sleep Apnea Treatment

Question by gtmoore: Which disability insurance policy should I choose?
If I decline benefits at work, I can get an additional $ 2 per hour, which works out to be $ 4,080 per year. I’ve already switched to my wife’s plan for health, dental, & vision coverage, which is less than half of what I pay for individual coverage with my current company. I also was able to get a life insurance policy at a competitive rate. My issue is with disability insurance. I have a history of sleep apnea which is now so mild that my doctor says that treatment is not needed. Metlife has quoted me a policy for 5 year term of disability coverage for $ 97 per month with no exclusions. Mutual of Omaha has given me a quote of $ 106.87 for disability coverage until I turn 67, but they are exlcuding any disability due to or related to sleep apnea. Which disability coverage policy should I chose, or should I just stay with my employers plan and not worry about the extra $ 4,080 I would get by declining benefits with them?
Thanks for the replies! The policies have a 90 day exclusion period then are in force for 5 years with a qualifying disability for Metlife and till age 67 for Mutual of Omaha, which has the sleep apnea exclusion. The monthly benefit is $ 3600.
Thanks again for the replies. Do you think the limited benefit period of 5 years is a problem or is the chance of me having a catastrophic illness or injury very remote? My employer’s short and long-term disability group policy would provide coverage until age 65 if I were to become permanently disabled (60% of pay) and there are no pre-existing condition exclusions. However, as I mentioned before, I would forfeit the extra $ 4,080 per year by keeping the policy. What are your thoughts?
Yes, these are offers. Yes, I did go through two different agents initially. The insurance broker with the Metlife agent has given me all the pluses and minuses of my three choices and is leaving the decision up to me. I’m definitely leaning towards the metlife policy.

Best answer:

Answer by mbrcatz
Are we talking short term, or long term disability?

For long term disability, you could consider relying on SSDI. For short term, I’d bank that $ 4080 a year, and then some, and “self insure”.

But it WILDLY depends on your total income, and your age.

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Question by IRONMAN: how do you obtain disability insurance if you’re diagnosed with sleep apnea?
After 20 yrs in the same hospital, I’m leaving my pharmacist job to work as an independent contractor. In preparation for my move, I applied for disability insurance thru a large insurance company but was denied coverage because I was diagnosed with sleep apnea.

Any suggestions out there? Will this continue to haunt me? I had the test done because my wife said I snored too much. Had I never been tested, I’d be on my merry way with a disability policy in hand.

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Answer by kiltze
You likely will not be able to obtain coverage. Sleep Apnea is rather expensive for an insurance company due to the high costs of CPAP machines and masks. The only way around this might be to convince an insurance company to let you sign a waiver absolving them from having to cover your Sleep Apnea.

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Question by Susana Sky: My health insurance company just rescinded my policy after I submitted claims.?
I applied for an individual health policy and in good faith signed that the information was complete to the best of my knowledge. I also consented to them acquiring any records necessary from my providers. I then had an emergency heart event that resulted in $ 20k+ claims. I then cancelled the policy after 5 months since I qualified for insurance through my employer. I just got a letter notifying me that I did not fully disclose all of my health history for the last 10 years on my application, therefore they are rescinding my policy as if it were never in effect. I am now facing $ 20k+ in bills and I am going to start the appeal process. How should I respond to the specific items they claim I did not disclose? One of them, for instance, is sleep apnea, which I was never diagnosed with and never received treatment for, but participated in a sleep study to see if I had it.

Best answer:

Answer by src50
Ask for the specific information that they claim you failed to disclosure along with it’s source.

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Question by kehlygirl: Insurance company denied weight loss surgery. Has anyone had this happen and then later approved?
Just asked primary physician for referrel and got denial letter a week later saying that I don’t have severe enough cardiopulmonary disease, diabetes or sleep apnea. That my current high blood pressure and hypo-thyroidism are being managed well with medication.

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Answer by POPO
I have not had this happen to me, but I know a few people who have had the surgery. Whether your insurance company grants you permission to go ahead with surgery, you have to meet their criteria. You need to know exactly what their criteria is, and then speak with your general physician who will try to help you or counsel you against surgery if they don’t think it is reasonable for you at this time.

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Question by Regular girl: I am an employee of the state of Texas, will my insurance cover orthognathic surgery?
I have an overbite and small chin which causes me to snore, sleep apnea, bad chewing, choke easily, jaw muscle pain, headaches etc so it’s not too look pretty or anything. Wll the insurance that the state of Texas provides cover this procedure which costs 25,000dlls total?

The monthly payment for the insurance is 450dlls but the state pays for it plus I also have humana dental insurance.

Best answer:

Answer by redbird
You need to call your human resources person for information like this. But if you want a more immediate answer, I bet your insurance company has a web address that you can access and you will find all the information that you want there.

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