My insurance paid for all but $105 of my CPAP and mask. I don’t think it’s unreasonable for them to want proof that what they pay for is actually being used. After 6 months I fully own the machine and there are no more stipulations.

You think that people should be able to get a $1200 machine covered by insurance every 2 years, and yet offer no proof that they aren't just turning around and selling them on eBay?

I'm more concerned with having to pay monthly (rather than a one time payment) for the CPAP until it's paid off, the payments go for more than a year (so it's two yearly deductibles, not one) even if I've been on a CPAP for 10 years with 100% compliance. I ended up buying one at half the price outside of insurance, even though I had insurance.

I also buy things like filters on Amazon for $15 instead of paying $85 each through insurance that mostly goes straight to deductible.