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CPAP Supplies Your Insurance Company Probably Pays For

By Amanda Johnson

Many Americans suffer from sleep apnea, a condition for which only an estimated 5% of people receive treatment. There are numerous therapies that can help, with one being the use of a CPAP machine. Many people view the cost of treatment as a barrier to getting help. To ease the burden, there are some CPAP supplies your insurance provider may cover.

Sleep apnea is a sometimes fatal condition that causes breathing to stop while a person is sleeping. This causes restless sleep, which can lead to other illnesses such as diabetes, depression, and heart disease. Other symptoms patients suffer from include extreme fatigue and drowsiness during daytime hours. All of these symptoms can be relieved with CPAP therapy.

The CPAP unit is used each night by the patient. By forcing compressed air through the mask the patient wears, the machine reduces the number of times a persons breathing stops during sleep. With use of the CPAP machine, some report having improved and more restful sleep after only a few nights.

In order to properly be diagnosed with sleep apnea, you must participate in a sleep study. If you are diagnosed with sleep apnea and are insured, you may qualify to receive your supplies at little or no cost to you. The amount and types of supplies your insurance will approve depends on two factors. Your coverage will depend on your provider and the coverage level of your policy.

Some insurance companies will not allow you to purchase a CPAP machine right away. For example, Medicare requires you to rent a unit for a certain period of time prior to purchase. Medicare will pay part of the rental costs, but the patient is responsible for the rest of the costs not covered by Medicare.

Not only do you have to worry about coverage of the machine, you must determine if the other supplies such as filters, headgear, mask, and chin straps will be covered as well. These supplies must be maintained and replaced at regular intervals.

Insurance providers suggest replacement of supplies according to a set schedule. The masks and headgear tend to last three to six months depending on numerous factors. Some factors include frequency of use, cleaning and methods of cleaning, types of cushion materials, skin care products used and the amount of perspiration.

You can find many available suppliers either online or in your local area. Many will submit the proper paperwork to your provider. If your primary insurance does not cover all of the costs, some suppliers will even bill your secondary insurance as well. If the supplier does not bill your insurance company, they will typically provide all of the necessary information for you to fill out the forms yourself.

If not analyzed correctly, sleep apnea can prove to be a very dangerous disease. Thus, a sleep study is very important. In order to determine the CPAP supplies your insurance provider may cover, it is vital to research your policy and the coverage it provides. You must establish what gear insurance will cover and the paperwork needed for claim processing. When shopping for a supplier in your local area or on the web, it is a good rule of thumb to find out what paperwork they will fill out for you. You will hopefully be sleeping soundly soon. is a website dedicated to people living with obstructive sleep apnea. Visit us for more information on CPAP Supplies and Mask.

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Article Citation
MLA Style Citation:
Johnson, Amanda "CPAP Supplies Your Insurance Company Probably Pays For." CPAP Supplies Your Insurance Company Probably Pays For. 23 Jun. 2010. 6 Oct 2014 <>.

APA Style Citation:
Johnson, A (2010, June 23). CPAP Supplies Your Insurance Company Probably Pays For. Retrieved October 6, 2014, from

Chicago Style Citation:
Johnson, Amanda "CPAP Supplies Your Insurance Company Probably Pays For"

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