What You Need to Know About Getting Your CPAP Covered by Insurance

Over 22 million Americans are suffering from sleep apnea, a condition that makes getting a good night’s sleep all but impossible. Luckily, there is a solution: CPAP therapy.

CPAP therapy, the abbreviation for continuous positive airway pressure therapy, is a treatment method for patients who have sleep apnea. The cost of the CPAP machine plus the recurring supplies can be very expensive. However, they are typically covered through insurance.

CPAP Covered by Insurance

CPAP and the supplies can be covered by insurance, but it can be complicated. That’s why Insurance Covered CPAP works directly with your insurance company on your behalf.

Most insurance plans include the CPAP machine, masks, tubing, headgear, and filters. They do not include cleaning supplies, travel CPAP machines, or mini-CPAPs.

CPAP machines and supplies are categorized as Durable Medical Equipment (DME) and are typically covered through insurance.

Insurance Requirements for CPAP Therapy

Most insurance companies require some information to approve your request for a CPAP machine and supplies including a prescription and sleep study. If you have met your deductible, your insurance company will pay their cost share of your CPAP products. If you have not met your deductible, you will have out of pocket costs that apply to your deductible until it is met.

How Often Insurance Pays for a New Machine

Replacement of your supplies is important to ensure your CPAP machine is as clean, effective, and comfortable as possible. Insurance companies use a replacement schedule for CPAP supplies. Usually, tubes, masks, headgear, and filters are replaced every few months and the CPAP machine is replaced once every five years.

To find out if your insurance covers a CPAP machine and supplies, fill out our Qualify Through Insurance form.