DME Says on Thing and Insurance says Another for CPAP purchase?

I’ve called my insurance company blue care of Michigan a couple of times trying to get information about the way I would go about purchasing a CPAP machine, just asking for a document that would outline the requirements for purchasing a machine.

These are the requirement’s that she listed over the phone.

-Prior authorization through blue CareNetwork, medically necessary, prescribed by a doctor, participating DME company, cover, same items, and Medicare part B would cover. 50% coinsurance that applies to the out-of-pocket maximum.

The DME company is saying that I must rent for 12 months as a capped rental before I can own, but the lady from blue care was just saying that she did not see that requirement and that I would have to talk with the DME.

I’ve also asked the insurance company to provide me with a document outlining what the requirement are and I really doubt they are going to send me anything.

List of questions

-is the insurance company obligated to tell me how their program works?

-is it legal for the DME to enforce requirements on me that the insurance company does not?

Background;

I got a CPAP machine about six years ago through another insurance company And have been using mine for the past 5 1/2 half years. (Just going off an 8hr night sceme, so my compliance and usage would be up to par)

The machine is in rough shape now, so I’m trying to get it replaced.