Does Your Insurance Company Cover CPAP Treatment?

Health insurance is one of those things that could possibly wind up saving your life. If you have obstructive sleep apnea – a chronic and lifelong condition – having an insurance policy is imperative, because not only will you need a CPAP machine, you will also need CPAP supplies, equipment and other essentials to help battle your sleep disorder. Luckily, there are a number of insurance companies that cover CPAP treatment. And to make things even easier for you, Easy Breathe will check your insurance benefits for you at absolutely no cost and with no strings attached, so that you know exactly what you are covered for. Here are some insurance companies that cover CPAP therapy.

Provider Networks

A provider network insurance plan is a way to keep your premiums down and your out of pocket expenses to a minimum. For instance, an HMO – health management organization – plan requires you to visit a primary physician and your coverage is arranged in a group basis. You may also have a PPO – preferred provider organization – plan, which requires that you visit a list of preferred medical health providers to get covered for lower copays. In the realm of a PPO plan, you may also have FSA, or flexible spending account – which is sometimes provided by a doctor – that can be used to pay for medical attention. Another medical fund account is an HSA, or health savings account, which requires a large upfront contribution to become qualified. If you are a retiree, you may have a HRA, or health reimbursement arrangement, which can go towards deductibles and copays. The one important thing to know about provider network insurance plans is that if you go outside the “network” of medical health and equipment providers, your copay may be much higher or you may have to come out of pocket for the entire bill.

Government Providers

No one deserves to suffer or be sick, which is why the federal government provides a number of a medical insurance plans to qualified citizens. For instance, Medicare is an insurance program that is provided to individuals who are 65 or older – some younger individuals with disabilities may also qualify. Another government plan is called Medicaid, which many families and low-income individuals may qualify for. And if you in the military or armed forces, you may be eligible for a TriCare health insurance plan.

Private Providers

Of course, there are a host of common private insurance providers that will cover your CPAP treatment. These companies include Aetna, Blue Cross/Blue Shield, Humana, Anthem, Cigna and United Health Care. While these insurance companies are private, you can often find reasonable premiums and the coverage for treatment of obstructive sleep apnea is excellent.

When it comes down to it, for most sleep apnea sufferers, having medical insurance can really mean the difference between living comfortably and free from the symptoms of the sleep disorder and waking up exhausted, miserable and an all around wreck. Sleep apnea can also be fatal. So, get your insurance benefits checked for you and see how your insurance will help with the cost of your CPAP treatment.