CPAP Payment & Insurance

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 show incentives to control your own equipment by making an outright purchase.

CPAP Payment & Insurance

How to Use HSA Or FSA Account to Buy CPAP Products

March 02, 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 a good tax savings across a number of areas including durable medical equipment such as CPAP masks and machines. What is the Difference Between an HSA and FSA []

CPAP Payment & Insurance

Are CPAP Supplies 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?  Durable medical equipment, or DME, includes equipment and supplies authorized by your doctor for at-home treatment of medical conditions. Some DME may []

CPAP Payment & Insurance

High Deductible Insurance and CPAP

June 01, 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 []

CPAP Payment & Insurance, CPAP Tips & Tutorials

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 []

CPAP Payment & Insurance, CPAP Reviews & Ratings

Should you Buy CPAP Supplies using Insurance or Cash?

February 13, 2020 |

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 []

CPAP Payment & Insurance

Three Myths of CPAP Machine Insurance Coverage

October 02, 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, []

CPAP Payment & Insurance, Sleep Apnea

How Can I Treat Sleep Apnea Without Health Insurance?

April 09, 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 []

CPAP Payment & Insurance

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.

CPAP Payment & Insurance

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 []

CPAP Payment & Insurance

HST Insurance Coverage

December 07, 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, []

CPAP Payment & Insurance

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 []

CPAP Payment & Insurance

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 []

CPAP Payment & Insurance

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.