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Will Medicare Pay for Your CPAP Machine?
Between five percent and 20 percent of the adult population has sleep apnea, though the National Sleep Foundation suggests that the numbers may be underreported. People of all ages can develop sleep apnea, and as you get older, you might need a Continuous Positive Airway Pressure (CPAP) machine. But will Medicare plan pay for your durable medical equipment and how can a Medicare supplement plan help?

Transcript:
Up to twenty percent of the adult population has sleep apnea.

As you get older, you might need a Continuous Positive Airway Pressure (CPAP) machine to help you with your sleep apnea.

If you’re nearing retirement, you might worry about how Medicare will handle your sleep apnea treatment.

A CPAP machine is normally covered under Medicare Part B.

For Medicare to pay for all or part of your durable medical equipment costs, your physician must warrant that it’s necessary for your health.

Medicare Part B will pay for 80% of the monthly rental fee of a CPAP machine for 13 months. After 13 months, you own the machine outright.

Medicare Supplement plans can help further offset the costs of your CPAP machine and sleep apnea treatment. Medicare Supplement Plans A, B, C, D, F, G, M, and N all cover the 20 percent co-insurance for your CPAP machine rental or purchase or its related parts.

If you are hospitalized or you need to enter a skilled nursing facility, Medicare Part A will be responsible for paying for expenses related to your sleep apnea. In those cases, Medicare and Medicare supplement plans will handle payments differently.

If you were to rent or purchase a CPAP machine from a supplier that isn’t enrolled in Medicare, you may have to pay for the full price of your CPAP machine and its related equipment. CPAP devices including all related equipment cost anywhere from $500 to $3,000, with the average costing around $850.

The variations in cost relate mostly to the type of device and any extra equipment you might need, such as a more comfortable chin strap or a humidifier add-on.