DME Claims Question with Medigap-advice Appreciated

Ok, situation I have not come across before (which is not hard because I have only been doing Medicare a short time and let me tell you Medicare is a different animal entirely).

Client has been on Medicare A and B since 2/1/2015. He was covered under employer plan until January 31st of this year (paying for a and b the whole time). Now he is on an F supplement with 3/1/ start date. We decided that was best for him because he wanted low OOP and was willing to pay more in premium for it.

At no point during any of our three meetings does he mention that he is on a CPAP, doesn't not na
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