Does Medicare Cover CPAP Machines?
Medicare Part B does help cover the cost to rent a Continuous Positive Airway Pressure (CPAP) machine.
If Medicare covers your CPAP machine rental, you may face out-of-pocket costs such as Medicare deductibles, coinsurance and copays.
A Medicare Supplement (Medigap) plan can help pay for your out-of-pocket CPAP Medicare costs.
How Does Medicare Cover Sleep Apnea?
In order to qualify for Medicare CPAP machine coverage, you must be diagnosed by a doctor with obstructive sleep apnea.
Medicare Part B may cover the cost of a sleep apnea test if you are displaying the signs and symptoms of the disorder and your doctor orders a test to be administered.
You also must be enrolled in Part B of Medicare in order to have the use of the CPAP machine covered. Part B is optional and comes with a standard monthly premium and Medicare enrollment requirements.
How Much Does a CPAP Machine Cost With Medicare?
After satisfying your Part B deductible (which is $240 per year in 2024), you will typically pay 20% of the Medicare-approved amount for the rental of a CPAP machine.
You'll also be responsible for the purchase of any related accessories such as a mask, filters, humidifiers, straps and tubing.
Medicare will cover the first three months initially, and then your doctor will reevaluate your condition.
If your doctor determines the CPAP therapy is helping, Medicare may then cover the use of the CPAP machine for up to 13 months.
Once you’ve been renting the machine for 13 months, you then take over ownership of it.
Medicare Supplement Insurance (Medgiap) Can Help Cover Your CPAP Machine Medicare Costs
Patients suffering from sleep apnea may benefit from a Medicare Supplement Insurance plan.
There are 10 types of Medicare Supplement plans that offer either partial or full coverage of the 20% Medicare Part B coinsurance requirement for your CPAP machine rental.
Learn more about Medicare coverage of common procedures
Call to speak with a licensed insurance agent today who can help you compare costs and benefits of Medicare Supplement plans that are available where you live.
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Christian Worstell is a health care and policy writer for MedicareSupplement.com. He has written hundreds of articles helping people better understand their Medicare coverage options.