man wearing a cpap mask

How Will Your Insurance Cover The Cost Of Your Cpap Masker?

Do you want to discover if your insurance company will cover the cost of your Cpap masker? Uncover how insurance companies see your sleeping device and how to obtain it even with financial constraints.

Awake at 3 a.m. again? You're not alone. 

Astonishingly, over 22 million Americans grapple with sleep apnea, and a trusty CPAP mask often becomes their nightly companion. But, you're pondering how your wallet fits into this life-changing equation? 

Well, we're setting out to crack the unknown for you. In this blog, we're weaving through the maze of insurance coverage for CPAP masks, the startling costs when insurance steps aside, and cost-effective choices that won't break the bank. 

Rest assured, by the end of our journey, you'll be well-equipped to navigate this terrain. Buckle up—it's time we venture into the world of night breathing aids.

Breathe in, breathe out—sounds simple, right? But when a CPAP mask is tossed into the equation, everything changes. 

Airfit P10  N30 Headgear Strap Upgraded CPAP Mask Replacement Straps

Imagine the waves of questions that rush through your mind, one leading the pack—does insurance have your back? Let's cut through the fog together.

Picture this:

It's a typically boring Tuesday afternoon when you receive the sleep apnea diagnosis. The doctor casually suggests a CPAP mask. 

Your mind races to your insurance policy. Does it cover the cost of the mask, the unsung hero of your soon-to-be peaceful nights? 

You fumble through the policy documents hoping for a yes, but there's more to it than a simple yes or no.

A whirlwind of variables comes into play here. Remember, insurance companies aren't a monolith. 

Each one has its own set of rules. There's a light at the end of the tunnel, though. 

Most insurance providers, such as Blue Cross Blue Shield, Aetna, and Cigna, recognize CPAP therapy as necessary. They typically cover part or, in some cases, the whole cost of the mask. 

However, the extent of the coverage often hinges on your specific policy.

Here's where it gets tricky. While insurance companies generally cover CPAP masks, the coverage depends on numerous factors, such as the severity of your sleep apnea, the type of mask prescribed, and whether other treatments have failed.

Another curveball is that some insurance companies demand a "rent-to-own" policy for CPAP equipment. In other words, they require you to rent the CPAP mask for a certain period before they cover the purchase.

Equip yourself with knowledge, and don't hesitate to discuss your concerns with your healthcare provider and insurance company. 

brevida mask front

How Much Does A Cpap Mask Cost Without Insurance?

Finding the right CPAP mask can feel like a high-stakes treasure hunt. The price tag can amplify the stakes, particularly if you're venturing without the insurance safety net. 

So, let's unlock the mystery together.

On average, CPAP masks—those night marvels—can cost anywhere from $30 to $150 without insurance. This range, though it seems broad, is merely a starting point. 

As you dig deeper into the world of CPAP masks, you'll discover a maze of factors subtly tweaking the price.

1. Brand Reputation Is One Such Factor

There are some well-known players in the CPAP world, like ResMed, Philips Respironics, and Fisher & Paykel. The masks these brands offer are often highly rated, incorporating innovative technology and offering superior comfort. 

They're the Ferraris of the CPAP world if you will. You can expect their masks to inch towards the higher end of the price range, reflecting the premium quality they promise.

2. Type Of Mask

Nasal pillows, nasal masks, and full face masks are the three primary types you'll encounter. Nasal pillows, the smallest and least intrusive trio, tend to be cheaper. 

The larger and more complex full-face masks often carry a higher price. Nasal masks occupy a sweet spot in the middle, balancing size, complexity, and cost.

3. The Features Integrated Into A Mask 

Do you want a mask with a gel cushion for added comfort, or are you content with a standard silicone cushion? Does a mask with a quiet exhaust reduce noise appeal to you? 

Are you eyeing a mask with a flexible tube position for more freedom in your sleep positions? Each feature added to the CPAP mask can tweak the price.

Think of these masks as a pizza. The base is the simplest, most basic version of the mask. 

Each topping—a different cushion material, an additional exhaust filter, or a more flexible tube—costs extra. The more toppings you add, the more expensive your pizza becomes.

4. Mask's Lifespan

Some masks are designed to last longer than others. These durable masks can be a more cost-effective choice in the long run, even if they seem more expensive upfront.

A crucial part of the puzzle is the retailer. Online platforms often offer more competitive prices compared to brick-and-mortar stores. 

Choosing a CPAP mask can feel like balancing on a tightrope, with price on one end and comfort on the other. But, with the right knowledge, you can make an informed decision.

cpap mask for mouth and nose

How Often Will Insurance Cover A New Cpap Mask?

Imagine settling into a new routine with your CPAP mask, sleep is improving, and life feels a little more vibrant. Suddenly, you notice your mask is showing signs of wear and tear. 

How soon is too soon for a replacement? And more importantly, will your insurance come to the rescue again?

Your CPAP mask, much like a trusty old friend, isn't invincible. Over time, it'll show signs of aging—elastic bands will lose their stretch, cushions may tear, and small components may malfunction. 

Insurance companies are well aware of this. Most health insurance providers, including Medicare, have guidelines stating they will cover the cost of a new CPAP mask every three to six months.

Yet, every rule has its exceptions, and this one's no different. Your mask might suffer from premature damage for several reasons—maybe your dog mistook it for a chew toy, or perhaps you dropped it too many times. 

In such cases, will insurance ride to your rescue?

Well, it's more complex than you'd hope. Insurance companies often require proof that the damage wasn't due to negligence. 

If you can demonstrate that the mask was damaged due to circumstances beyond your control, your insurance might cover an early replacement.

However, it would be best if you prepared for some red tape. You might need a new prescription from your doctor or a letter stating the need for a replacement. 

Sometimes, you might need to replace your mask due to health reasons. If your sleep apnea symptoms worsen or you develop skin irritation from the mask, you might need a different type of mask. 

In such cases, your doctor will play a crucial role. With a new prescription and medical justification, your insurance will likely cover the replacement cost.

The journey with your CPAP mask is a dynamic one. Much like a winding road, it has its twists and turns. 

Your mask will age, and unexpected circumstances might sometimes demand a quicker replacement. 

Understanding how your insurance handles these situations helps you prepare and react more effectively. It's like having a roadmap for your journey. You can't predict every turn, but you can navigate them better.

cpap masks different types

What Are The Most Cost-Effective Cpap Masks?

Navigating the world of CPAP masks can sometimes feel like an expedition through a dense jungle, especially when the cost is a key factor. Cost-effectiveness, however, isn't just about the upfront price tag. 

It's a more nuanced concept—consider it a balancing act between cost, quality, durability, and comfort.

Let's unpack this. You can buy a budget-friendly mask, but it's not cost-effective if it falls apart within a few weeks or is so uncomfortable that you can't sleep. 

A truly cost-effective mask offers a balance—affordable, durable, and comfortable, and it helps manage your sleep apnea effectively.

Now that we've gotten that out let's explore some of the most cost-effective masks on the market. Remember, this is not about hunting for the cheapest option—it's about finding the one that gives you the most bang for your buck.

1. Resmed Airfit P10

This nasal pillow mask is on the lower end of the price spectrum, but don't let that fool you. Its lightweight design and quiet operation make it a favorite among many CPAP users. 

It also comes with a unique split-strap headgear design for added comfort. The cherry on top? 

Its parts are replaceable, meaning you can change worn-out components instead of replacing the entire mask, saving you money in the long run.

2. Philips Respironics DreamWear Nasal Mask

A step up in price, this one stands out for its innovative design. The mask's tubing connects at the top of the head, offering a unique degree of freedom in sleep positions. 

It comes with a minimal contact under-the-nose cushion to help prevent red marks and discomfort in the nostrils. And with its interchangeable parts, you can switch between different types of masks within the DreamWear series.

3. Fisher & Paykel Simplus Full Face Mask

It might be your go-to if your sleep apnea requires a full face mask. It's pricier than the others, but its robust design and user-friendly features justify the cost. 

It offers an easy-to-use headgear and a simple, effective seal. The mask's RollFit Seal adapts to your movements during sleep, reducing pressure on the bridge of your nose. 

The Simplus is also known for its longevity, making it cost-effective over time.

The most cost-effective mask for you is only sometimes the cheapest. It's the one that fits well, feels comfortable, effectively manages your sleep apnea, and lasts over time.

It's a personal choice influenced by your specific needs and circumstances. 

Note: Ask your healthcare provider for advice to suit your sleep needs best. 

Dreamwear Replacement Full Face Cushion (Medium)

How Can I Get A Cpap Mask If I Can't Afford It?

Picture this—you need a CPAP mask, but your budget is stretched thin, almost to its breaking point. The numbers aren't adding up, and you're facing a brick wall. 

What will you do?

First, take a deep breath. While the price of a CPAP mask might be intimidating, paths are carved out for people in your situation. These paths are treaded by helpful programs, subsidies, and charities that understand the struggle and are here to lend a helping hand.

Programs like the American Sleep Apnea Association's CPAP Assistance Program (CAP) exist to assist people who can't afford a CPAP mask. CAP offers reduced-cost or even free CPAP machines and masks to those who qualify. 

Another organization, the Lions Clubs International, has local chapters that sometimes assist with medical equipment, including CPAP masks.

Some healthcare providers and equipment suppliers also offer patient assistance programs. These include financial aid, payment plans, or discounts for people with financial constraints. 

But what if you don't qualify for these programs or they aren't available in your area? There are still ways to make your CPAP purchase lighter on your wallet.

Keep an eye out for sales and discounts. Online platforms and suppliers frequently offer deals on CPAP masks. 

Finally, be savvy about the accessories you buy. High-end cleaning devices or custom covers might be tempting but can significantly increase costs. 

Stick to the basics and avoid unnecessary add-ons to keep your costs down. Remember, financial constraints shouldn't block the path to effective sleep apnea treatment.

Sleeprlo Dark and Quiet Bundle


In this journey, we've uncovered the truth about insurance coverage for CPAP masks, braved the terrain of their costs, and ventured into the rhythm of replacement cycles. We've also discovered the most cost-effective masks and offered a lifeline to those struggling with affordability.

But remember, using a CPAP mask is just one part of your search for restful sleep. To complement your efforts, consider enhancing your sleep environment with sleeprlo's sleep accessories. 

For instance, our Dark & Quite Bundle offers an immersive sleep experience that can optimize your sleep. It includes a top-tier sleep mask to block disruptive light and high-fidelity earplugs to mute unwelcome noises. 

Take this:

In the words of the ancient Greek philosopher Heraclitus, "Even a soul submerged in sleep is hard at work and helps make something of the world." 

Leave a comment

All comments are moderated before being published.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.