CPAP Payment & Insurance

We answer all your questions regarding CPAP payment and insurance. We give you information on both paying through insurance as well as paying out-of-pocket and the long-term costs of both. We answer commonly asked questions, disperse any myths and assumptions about CPAP insurance, and share the benefits of controlling your own equipment by making an outright purchase. 

CPAP Insurance Coverage

CPAP insurance coverage can depend on your insurance plan and carrier. While we don’t deal directly with insurance carriers at The CPAP Shop, we try to make the process easy for you.

Health Insurence

CPAP Payment Plan 

Do you need financing to purchase your CPAP therapy equipment?  With a CPAP payment plan, financing is easy. Don’t let financial issues get in the way of your sleep therapy and overall health.

Pay Over Time Options


  • Best Portable CPAP Machine for Travel Under $1000

    Best Portable CPAP Machines for Travel Under $1000

    October 4, 2023

    To stay CPAP compliant, it is important to be prepared to take your CPAP equipment when you travel. Portable CPAP machines can be expensive. But there are many available models that provide superior performance at a reasonable price.  

  • Insurance or Cash

    Should you Buy CPAP Supplies Using Insurance or Cash?

    August 28, 2023
    You may think that if you have health insurance, the cost of your CPAP machine will be covered. That’s not necessarily true. CPAP equipment insurance coverage is getting increasingly more complicated each year and in the end, going through insurance may end up costing you more than paying out-of-pocket. It all depends on your policy.We strongly recommend reviewing your coverage before ...
  • man with credit card and laptop

    How to Use HSA Or FSA Account to Buy CPAP Products

    March 2, 2021
      Medical coverage with your employer may include a Flexible Spending Account (FSA) or a Health Savings Account (HSA). People and families who have these plans often get good tax savings across a number of areas including durable medical equipment such as CPAP masks and machines.  How Does an FSA and HSA Work?  A FSA is a special account you put money into that you use to ...
  • health insurance document

    Is CPAP Considered Durable Medical Equipment?

    December 29, 2020
    CPAP machines and supplies are considered durable medical equipment. That means they may be covered by your health insurance. However, this coverage will vary by state, as well as provider.  What Is DME or Durable Medical Equipment?  Durable medical equipment, or DME, includes equipment and supplies authorized by your doctor for at-home treatment of medical conditions. Some DME ...
  • insurance deductibles

    High Deductible Insurance and CPAP

    June 1, 2020
    A high deductible insurance plan is pretty common these days and comes with its own advantages and disadvantages. Unfortunately, when purchasing CPAP therapy essentials, a high deductible plan is less than ideal. On average, these plans have a deductible around $6000. This is a costly mark, and generally not easily met by most patients. As a result, those who choose to use insurance for th...
  • calculator

    How to Get CPAP Financing

    May 13, 2020
    CPAP financing helps you pay for the CPAP equipment you need without stressing about the upfront cost. Your personal health and well-being should always come first. With that in mind, The CPAP Shop has made paying for your CPAP machine and accessories over time easier than ever thanks to our partners at Bread. Just fill out a simple, quick application to see if you qualify.  ...
  • cpap insurance

    Three Myths of CPAP Machine Insurance Coverage

    October 2, 2019

    When it comes to healthcare, we instinctively believe that our insurance will cover a majority of the cost. While this is true for many conditions, when it comes to PAP therapy to treat sleep apnea, health insurance may not be the best option. In the ongoing debate between cash pay versus insurance for sleep therapy, there are several factors to consider. Insurance only covers a portion....

  • woman sleeping while studying

    How Can I Treat Sleep Apnea Without Health Insurance?

    April 9, 2019
    You have been diagnosed with sleep apnea. Now what? First, it is important to begin by understanding what sleep apnea is and why it is important to treat. Pauses in breathing during sleep are called sleep apneas. These events typically last between 10 seconds and several minutes and occur when the airway collapses, restricting normal airflow. As a result, oxygen does not reach the brain. In re...
  • inusrance

    CPAP Therapy: Insurance vs Online Purchase?

    November 27, 2018
    As you research CPAP therapy, insurance versus out-of-pocket purchase is a common first question. This guide will outline some of the pros and cons.
  • flexible spending account

    Buy a Second CPAP Mask or CPAP Machine Using FSA or HSA Account!

    December 15, 2017
    Being prepared is always a good thing, especially for people in sleep apnea therapy using CPAP machines and CPAP masks. The last thing these patients need is to have some piece of their therapy equipment wear out or malfunction and not have a replacement on hand. In fact, it is often a good idea to have more than one type of CPAP mask available. Today, many people’s medical coverage with th...
  • HST Insurance Coverage

    HST Insurance Coverage

    December 7, 2016

    With our last post, our discussion focused on insurance coverage and how it relates to CPAP equipment. We compared the differences between current private and public insurance trends vs. paying for equipment out of your pocket. This post will focus on HST Insurance and costs. Home Sleep Tests (HST) and Insurance Coverage In this post, we want to explore the idea that Home Sleep testing...

  • Doctor with patient

    The Tricky Business of CPAP Insurance Coverage

    September 23, 2016
    It is not hard for anyone to argue that there is chaos in the U.S. insurance industry. Currently, there is a growing percentage of people who have to change coverage or get less coverage than previous years due to cost. Moreover, the price of all types of plans are on the rise with the cost of a historically typical plan becoming increasingly onerous for the average family. As CPAP ins...
  • OSA and Obama Care Health Care Plan For CPAP Machines and Supplies

    OSA and Obama Care Health Care Plan For CPAP Machines and Supplies

    January 22, 2014
    If you haven’t experienced it already, you’ll soon find that Obama Care, or The Affordable Health Care Act, is changing the way sleep apnea patients pay for their doctor visits, CPAP machines, and CPAP supplies. It’s called cost-shifting where insurance companies are now requiring patients to pay for the cost of care. Additionally, while insurance companies used to pay for the 3-month and manu...
  • Does Insurance Cover CPAP Machines?

    Does Insurance Cover CPAP Machines?

    October 15, 2010
    Health care and the way Americans approach health care decisions have changed. This article discusses some of the potential changes for the sleep therapy device market.