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 Caylee’s Mommy: sleep apnea? should i…?
when i was in the hospital before and after i had my baby they would run in there because my machine was beeping due to my oxygen level going down, so they would make me sleep with oxygen. they said something about sleep apnea. do you think i should get tested for it? or what is your advise as to what i should do?

Best answer:

Answer by Ward Cleaver
Your primary care doctor might make a referral to a sleep clinic. They can determine whether you have a sleep disorder.

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Question by hendrix5118: What should I do about sleep apnea?
I have mild sleep apnea and I have tried every kind of cpap mask there is, but I can’t sleeping with one on. Are there any other options besides a cpap?

Best answer:

Answer by Plays with Squirrels
There’s oral appliances that push your lower jaw forward and keep your airway open. Try the link below..

http://www.ihatecpap.com/oral_appliance.html

Hope this helps.

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Question by Shanay R: I HAVE SLEEP APNEA AND I CAN’T SLEEP WITH THE C-PAP MACHINE. WHAT SHOULD I DO?

Best answer:

Answer by K.C.
Go back to your dr….?

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Question by Michael R: What diagnostic tests should I ask my doctor to do to determine cause of my tiredness and sleep difficulties?
I am 43 year old male, and am feeling overall poorly. I am strong and all that, but I just feel weak and tired, and I have difficulty getting good sleep. I recently was diagnosed with sleep apnea and am using the CPAP machine, but I still wake up tired and cant maintain my sleep through the night. I still drag through the day with tiredness, weakness, and depression. A friend suggested a series of tests his naturepathic doctor took him through including hormone levels check, hair, and spittle test…but he didnt know what the other tests available to determine chemistry and nutritional deficiencys might be. Wondering if anyone could advise me on what tests to have my doctor adminster.

Best answer:

Answer by justbeingher
Sleeping 02 sats – your blood oxygen level while sleeping. It needs to be mid-to-high 90s or you wake fatigued, have anaerobic metab and are setting yourself up for cancer.

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