I believe it best to stop trying to post as I don't have all the information since these threads are so long a dummy like myself can't keep up.
Almost all insurance companies lease a machine from a DME for a year and make the payments on the machine. After the year, the machine basically is yours. Kind of a "rent to own" thing. Most insurance plans cover perishable supplies like masks, cushions, hoses, water reservoirs and filters. Most send stuff every 3 months. Most send a mask and a couple cushions for that mask. Most will send filters every 3 months. As far as hoses and water reservoirs, they don't send these as often; perhaps every other 3 month cycle. I am not positive if a DME will automatically send a reservoir; mine leaked and I asked for one and received it. Most insurance plans allow a DME to automatically send this stuff as the DME loves getting the money regularly. After five years, most insurance companies will replace the machine as that is what they must consider its life cycle. Most machines actually still work great at the 5 year mark. If you decide to switch up mask types, you will likely have to spring for the mask you want to try on your own dime and then you can tell the DME that you have a new mask type and they will send supplies for it rather than the one they handed you on day one.
You have a sleep study in the works. Best not to worry about the consequences of any potential side effects from sleep apnea since there is nothing you can do. Once diagnosed, you will get a prescription and I DO repeat DO agree that the study should be fully explained. The places that do these studies often make the doctor kind of invisible so insist on a copy of the study and if possible to speak to the sleep doc who writes the prescription. I never saw or heard from ANY sleep doctor; I had to have my insurance company yell at the sleep clinic to get a copy of the study. I sat down and looked up all the medical jargon. I googled this jargon to get some sense of what was going on. IF you have a prescription, you may be shuffled off to a durable medical equipment store (aka DME). Try and find out WHICH DMEs in your area your insurance will work with and then google them for reputation. You will find that FEW IF ANY have decent customer service reputations but pick the best of the lot if you are able. The DME will likely only follow the prescription and will only carry a single maker of PAP machines so you will not likely get some sort of choice between PAP manufacturers. This might be a good question to ask them if you get a chance to find your own DME. I have a ResMed machine and am happy with it but other makers are also just as good. Look up the brand/maker and see if they look mainstream. There are reports of off brands being passed out by some DMEs. This is what you can do while waiting and hopefully the path to good sleep will be smooth for you. AND REPORT BACK ON THE PROCESS! Good luck!
The CPAP therapy causing shallow sleep and frequent waking is kind of opposite what should be expected. You should be sleeping more soundly and in REM sleep a lot longer. Your symptoms (other than migraines) is pretty much totally 180 degrees opposite from my experience. Prior to therapy, I was up every couple hours thinking I had to take a potty break and had frequent and vivid dreams. These are a sure sign of non-REM sleep. Now I never get up during the night and can remember few, if any, dreams except those just in the half-awake state in the morning prior to hopping (well rolling) out of bed. Need to hear more regarding machine type, prescription and stats from sleep (AHI).
You can have a sneaky wife video tape you while sleeping and then waking with a gasp after not breathing for a minute or two. That is a pretty good indicator! (that is what my missus did). I couldn't believe I had sleep apnea nor had I ever heard of it. The video was shown to my primary care doc and she agreed with my wife's assessment and off to the sleep clinic for a study I went. I am certain I have brain damage because when I was about 18 years old, I seem to remember I knew EVERYTHING and today I am old and fairly sure I know very little.
Average 94 is a shade low and 88 is lower than what is considered acceptable but the 88 was a single event that was most likely caused by excessive movement of your hand/finger, etc. If you sit on the couch and wiggle a bit you can observe that readings are bogus for the times of movement. I would say your SPO2 is pretty decent and wouldn't worry about the 88 too much.
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It has been my observation that folks who go to an ENT are typically set up for an operation. These seem to often be non-effective for treating OSA and are painful and very expensive. I am guessing your insurance company denied an in-lab study because they considered the matter resolved with the ENT outlay. The state of sleep medicine isn't great. Saying that, wait for your study and go from there. If you need therapy, there will be an indication of what type machine and pressure, etc will be prescribed. It appears you will not be getting great support for this therapy based on lack of support from your insurance so best to self-educate so you can be prepared to be the captain of your own therapy without relying too much on follow on support. Keep in mind also that there are a couple different paths for therapy; both PAP and dental appliance. Don't get railroaded into one path or the other but educate and find out which seems most promising for you.
To most primary care physicians, sleep disorders are a borderline science and if your GP doesn't refer you to a sleep specialist, then you should insist on it. Right from snoring and other signs to a guess at sleep apnea tells me that your doctor's recommendations should be tempered by some self-education on your part. If you display the signs of sleep apnea, an in-lab study is by far the most preferable path. Then do some study on PAP therapy and oral appliances; either can be effective if one is indicated vs the other. Many sleep docs will attempt to prescribe PAP therapy when an oral applaince is not mentioned so keep that in mind. Hopefully your sleep doc won't pipe-line you into one therapy without exploring all treatment options; mine did but then I have to use a Bipap machine at the highest pressure setting so the oral appliance route was probably not in the cards anyway. Good luck- get educated on sleep apnea and you get in front of the process if therapy is needed.
Anytime O2 levels drop under low 90s for any period of time, there is reason for concern. Might look around for another doctor. The one you have doesn't seem to understand the negative effects of low blood-oxygen levels on organs at the cellular level. Kind of basic stuff.