UMR Converted my CPAP rental to a purchase and didn’t cover it. Now I’m stuck with a 1k bill. Neither say they can do anything about it.

I got a CPAP machine prescribed from the doctor August of 2023. The company that supplied it and handled the resupplies has been terrible to work with. Hard to get on the phone, won’t call back, can’t get explanations of costs, etc. I just got a bill in the mail out of nowhere for about $750 and then a new updated one for about $950 a few days after that. Finally get them on the phone today and they said my insurance stopped covering the rental and converted it to a purchase because they only cover a rental for 3 months and then they don’t cover rental or purchase.

I’ve had it for a year and they’ve been covering it, first of all.

Now the supply place that billed me said they can’t do anything about it since it’s already been converted to a purchase I just have to pay for it. Insurance won’t do anything either. I told them I can’t afford the rental or purchase and they just said well it’s been invoiced and there’s nothing they can do.

I didn’t get any notice whatsoever about this, just a bill in the mail. I also haven’t even been able to use it in a while because I’ve been traveling so much and so overwhelmed with both parents in the hospital 7 hours apart and my dad just recently died.

Am I just screwed or is there anything I can do? Thinking about just telling them to send me to collections and I’ll settle the debt in a few years for a fraction of it so they get the least out of me as possible. It really just pisses me off because you can pick up this machine for like $500 online and they’ve gotten like 4k already from my insurance company over the last year for the rental. It’s been paid for 8 times by now.