Maximizing Your Insurance Benefits for Sleep Apnea

Suppose you have sleep apnea or suspect that you do. In that case, understanding how to maximize your insurance benefits will be crucial for your long-term financial health, as sleep apnea requires sustained medical oversight.

This blog post will focus on the insurance aspects of your treatment, but if you are looking for more general information about sleep apnea, you can check out our website, where you can find all the information that you need here: Sleep Matters LLC

Insurance Plans!

Let’s start with some fundamentals of your insurance plan.

With hundreds of different plans and policies, the first thing on your agenda should be to familiarize yourself with your policy’s details and fine print.

By following the steps listed below, you will be well prepared to ensure that you are maximizing your insurance benefits.

  1.  Obtain Your Policy Documents: Get a copy of your insurance policy. This might include a Summary of Benefits and Coverage (SBC) and a detailed policy document. These documents provide an overview of what is covered, including treatments, procedures, and prescription drugs.
  2.  Understand Key Terms: Familiarize yourself with insurance terminology such as premiums, deductibles, copayments, coinsurance, out-of-pocket maximums, in-network and out-of-network services, and prior authorization. Knowing these terms will help you understand how costs are calculated and what you’re responsible for paying.
  3. Review Coverage Details: Examine the specifics of what your insurance covers. This includes types of services (like preventive care, emergency services, and specialist visits), prescription drug coverage, and any exclusions or limitations. Pay close attention to whether your plan covers pre-existing conditions.
  4.  Know Your Network: Understand which doctors, hospitals, and healthcare providers are in your plan’s network. Visiting in-network providers typically costs less than out-of-network providers. If you have a preferred doctor or specialist, check if they are in-network.
  5.  Understand the Claims Process: Learn how to file a claim if you receive a service from an out-of-network provider or need to be reimbursed for a covered service. Knowing the process can save time and help ensure you get reimbursed correctly.
  6.  Appeal Process: Familiarize yourself with the process for appealing decisions made by your insurance company, such as denials of coverage. Know your rights and the steps required to file an appeal.
  7.  Contact Customer Service: Don’t hesitate to contact your insurance company’s customer service for clarification on any aspect of your plan. They can provide explanations and guide you through understanding your benefits and responsibilities.
  8.  Stay Informed About Policy Changes: Insurance policies can change annually. Stay informed about any changes to your policy, including coverage, network, or cost changes.
  9. Utilize Online Resources and Apps: Many insurance providers offer online portals or apps to access your policy information, track your healthcare spending, find in-network providers, and manage prescriptions.
  10.  Regularly Review Explanation of Benefits (EOB): After receiving healthcare services, you’ll receive an EOB from your insurance company explaining what was covered and what you owe. Review these statements to ensure accuracy and track your healthcare expenses.

Now that we have reviewed some general principles of understanding your policy, let’s dive into the details of your sleep apnea journey and see how understanding your insurance can and will save you hundreds, if not thousands, of dollars as you treat and manage your sleep apnea.

Testing: The First Step in Sleep Apnea Management

Accurate diagnosis of sleep apnea is crucial, and the good news is that most insurance policies will provide coverage for your sleep test.

Professional sleep testing, which can be conducted in a sleep lab or at home, is the crucial first step to getting your insurance to pay for your treatment(s).

Without an accurate diagnosis, your insurance will not pay for any form of treatment. With the advancement in in-home sleep testing technology, almost every plan will cover a home sleep test; in fact, some policies will only cover the home test vs an in-lab test.

With that in mind, you do have to be careful, with some policies, about how your home sleep test is ordered.

Multiple sleep testing companies are all virtual. That means you can go online and schedule a telehealth visit with one of their board-certified sleep physicians, who will assess your need for a study, order the test, and have it mailed directly to your home.

Note 👉You must ensure that your policy allows for tele-med visits.

While most insurance plans do, some will deny coverage for treatment if the sleep study was ordered via a tele-med appointment.

Medicare and UHC

Medicare and UHC are the two biggest players who do not allow the sleep test to be ordered via tele-med. Instead, you must drive to the office to have your doctor order the test.

Now, you can still do a home sleep test instead of going to the lab; you just need it to be ordered in person at your physician’s office. It can be ordered by any MD or a provider that works under them, like a nurse practitioner. It does not have to be ordered by a sleep physician. Any physician, like your cardiologist or primary care provider, can order your sleep test.

If your insurance allows for the tele-med visit, and you are ready to take a home sleep test, the following are our top two recommendations for receiving your test. They have excellent customer service, have providers on staff to cover almost every state and network, and will verify your insurance benefits before your consultation and home sleep test.

So, if you are ready to take a sleep test and your policy allows for virtual visits, click on the links below to complete your sleep study easily and quickly!

Book Your Test Now!

Sleep test


After your test, you will consult your provider to review your results. This consultation is considered an office visit, and most plans will cover the cost or have a nominal fee for office visits.

Treatment Options

Suppose your results are positive for sleep apnea. In that case, you will need to consider your treatment options, and each option will have different insurance coverage levels and specific requirements to accept your claim. If you’re wondering, “is sleep apnea covered by insurance,” the answer is typically yes, but coverage can vary based on the treatment type and your insurance plan.

The two primary forms of non-surgical treatment we will discuss in this article are CPAP therapy and oral appliance therapy. For those considering a sleep apnea test at home with insurance, it’s important to verify with your insurance provider if the test is covered and what documentation is required for reimbursement.

Surgical treatment options like the Inspire implant, Uvulopalatopharyngoplasty, and other surgical options will be discussed in detail in upcoming blog posts. Your initial treatment options will differ based on your severity level, that being mild, moderate, or severe sleep apnea.

According to the American Academy of Sleep Medicine, patients with mild or moderate sleep apnea can elect to start treatment with either CPAP or oral appliance therapy. Patients who are diagnosed with severe OSA should start with CPAP therapy.

CPAP Therapy, the Gold Standard for the treatment of obstructive sleep apnea

CPAP Therapy

Continuous Positive Airway Pressure (CPAP) therapy is still considered to be the gold standard for the treatment and management of obstructive sleep apnea (although there is some discussion that due to its low level of compliance, CPAP should lose its title as the gold standard of treatment). It is the most commonly prescribed treatment for obstructive sleep apnea (OSA). It involves using a CPAP machine that delivers a steady stream of air through a mask worn over the nose and mouth during sleep. This stream of air keeps the airways open, preventing pauses in breathing and ensuring a continuous flow of oxygen.

CPAP therapy helps reduce snoring, improves sleep quality, and can significantly lessen daytime fatigue and other symptoms associated with sleep apnea. This treatment is widely recognized for its effectiveness in managing OSA and enhancing overall sleep quality. For those wondering, “is sleep apnea covered by insurance?” the answer is typically yes, as most insurance plans recognize the health risks associated with untreated sleep apnea and cover CPAP therapy.

Additionally, for individuals who suspect they might have OSA but are hesitant to spend a night in a sleep lab, a sleep apnea test at home with insurance is often available. This convenient option allows patients to undergo a sleep study in the comfort of their own home, making the diagnosis process less intimidating and more accessible.

Things to consider regarding your insurance coverage for CPAP therapy

  1. Most insurance plans provide coverage for all levels of severity: mild, moderate, and severe OSA
  2. You must have an up-to-date sleep study read and interpreted by a board-certified sleep physician. Make sure to check your policy, as many plans will consider a sleep study to be too old if you are older than three years or if you have gone without treatment for an extended length of time
  3. You will need a prescription for CPAP from your doctor.
  4. 90-day window: Most insurance companies will let you do a CPAP trial for 90 days. This is important because almost half of all patients who are prescribed CPAP therapy will discover that they are unable to tolerate wearing the CPAP all night and will need to try an alternative treatment option if CPAP does not work for them. Most insurance companies will let you return the CPAP within the 90-day window and will then still provide coverage for an alternative treatment.
  5. Reasons for returning your CPAP: If you struggle to comply with CPAP therapy, make sure you speak to your provider about it. There are many different styles of masks and machines, and sometimes, you just need to keep trying different setups until you find one that works for you.

That said, if CPAP therapy does not work for you, some insurance plans require that you have a medical reason documented on why you failed CPAP therapy. For example, just stating that you don’t like it may disqualify you from getting benefits for an alternative treatment option. Make sure you contact your insurance company and get the details on your policy for switching from a CPAP to a different form of therapy/treatment.

  1. Make sure to check to see if your insurance will buy or rent your CPAP machine.
  2. Contact customer service and find out your out-of-pocket fees for your monthly supplies.
  3. Does your insurance plan monitor your usage of your CPAP? Some insurance companies will terminate your coverage if you are not using your CPAP enough to be considered compliant. If your plan has a complaint rule, ensure you understand it. For example, some policies will consider you compliant if you use your CPA five or six days a week, for four hours or more per night.
  4. Other out-of-pocket expenses. Remember that some costs associated with your CPAP will not be covered, such as cleaning supplies, distilled water, and special traveling gear you might need when going out of town or on vacation.

Oral Appliance Therapy: The Number One Alternative to CPAP.

Oral appliance therapy is a widely used treatment for obstructive sleep apnea (OSA), particularly in patients who find continuous positive airway pressure (CPAP) therapy uncomfortable or ineffective. Before considering an oral appliance, many patients may opt for a sleep apnea test at home with insurance to confirm their diagnosis of OSA.

An oral appliance is a custom set of precision-made dental “retainers” that are fabricated so that when the device is worn, it will reposition the lower jaw into a stabilized forward position, preventing the tongue and soft tissues from collapsing back into the airway.

Most patients find these dental devices comfortable, easy to use, and effective. However, when it comes to insurance coverage, one might wonder, “is sleep apnea covered by insurance?” The answer is that coverage can vary, but many insurance plans do provide benefits for sleep apnea treatment. Getting your insurance to pay for an oral appliance can be more complex than getting coverage for a CPAP, so you must pay close attention to the following details if you want your insurance company to pay for oral appliance therapy.

Things to consider:

  1. Select your dentist carefully
    While any dentist can technically make you an oral appliance, most don’t have the knowledge, credentials, or desire to work with your medical insurance and will not bill your insurance, leaving you responsible for paying in full.We recommend:
  • You can ask your provider to refer you to a dental sleep medicine specialist who works with medical insurance.
  • Do a Google search for dental sleep medicine clinics in your area, ask the front desk if they bill medical insurance, and see if they are in network with your plan. Make sure you specify medical insurance because even though a licensed dentist makes these devices, the oral appliance is billed through your medical insurance, not your dental insurance.
  • The American Academy of Dental Sleep Medicine has an option for you to find a qualified dentist in your area. These dentists have additional education to manage your case effectively and are more likely to be in an office that will work with your insurance.
    Click here for a qualified dental sleep medicine office in your area.
  • If you are in the Kansas City area, visit Sleep Matters LLC. We offer most insurance carriers, and we are also a Medicare-approved office.
  1. Know your level of severity
  • If you have mild or moderate obstructive sleep apnea, most insurance policies will cover oral appliance therapy as a first-line treatment option, and you can follow the steps listed here.
  • If you have severe OSA, almost all policies and providers will insist that you try CPAP therapy first. Remember, you will have 90 days to determine if you can tolerate CPAP therapy. Even if you believe you cannot sleep with a mask on your face, you must try it if you want your insurance to play ball.
  1. Documents Documents Documents
  • Your dental sleep medicine provider must submit all the required documents. Otherwise, your claim will be denied.

Documents that must be submitted:

  1. A board-certified sleep physician signed the updated sleep study.
  2. Clinical note from your medical provider documenting the consult when your sleep test was ordered.
  3. A prescription and letter of medical necessity signed by your medical provider. Your sleep physician, your primary care provider, or whomever you see can do this to manage your sleep apnea. (This can not come from the dentist fabricating your device)
  4. A CPAP intolerance form. This form will document your reasons why you can not or do not wish to use a CPAP. If you have severe OSA, you must have documentation demonstrating that you have tried and failed CPAP therapy, with a clinical note from your provider highlighting a medical reason why you are unable to tolerate CPAP therapy.
  5. The clinical note from your dental/airway exam. Before fabricating your device, your dental sleep medicine provider must ensure that you are a qualified candidate for oral appliance therapy.
  6. Prior Authorization: Many plans require the dentist to submit an initial authorization request. Failure to complete this could allow the insurance provider to deny coverage.
  7. Proof of delivery: When your appliance is delivered, you must sign a form indicating that you have received your device.
  8. Delivery Note: Your dentist must submit your appointment’s clinical note.
  1. Surgical Treatment Options
    Should CPAP and oral appliance treatments be unsuitable for you, it’s important to consider your surgical options.

With many different surgical procedures available for treating sleep apnea, you must contact your insurance company and discuss their requirements for the particular surgery you are contemplating.

Here is a list of surgical procedures one can do for the treatment of OSA:

Uvulopalatopharyngoplasty (UPPP): This is one of the most common surgeries for OSA. It involves removing excess tissue in the throat to widen the airway. This may include removal of the tonsils, uvula, and part of the soft palate.

Laser-Assisted Uvulopalatoplasty (LAUP): Similar to UPP, but uses a laser to remove the uvula and part of the palate.

Radiofrequency Ablation (RFA): This procedure uses radiofrequency energy to shrink and tighten tissue in the upper airway, typically at the back of the throat and the base of the tongue.

Genioglossus Advancement (GA): This surgery tightens the front tongue tendon, thereby pulling the tongue forward and opening the upper airway.

Hyoid Suspension: This involves repositioning the hyoid bone in the neck to open the airway.

Maxillomandibular Advancement (MMA): This more complex surgery involves moving the upper and lower jaws forward. This enlarges the space behind the tongue and soft palate, making obstruction less likely.

Palatal Implants: Small plastic rods are implanted into the soft palate, which stiffens it and reduces airway collapse.

Nasal Surgery: This includes procedures like septoplasty, turbinate reduction, and polypectomy to improve airflow through the nose.

Tracheostomy: This is usually a last resort for severe OSA. It involves creating an opening in the neck directly into the trachea (windpipe) to bypass the obstructed airway.

Inspire Therapy: A newer, less invasive option, it is implanted during a surgical procedure. It stimulates the nerve that controls tongue movement, thereby keeping the airway open during sleep.

Tongue Reduction Surgery: Techniques like midline glossectomy or lingualplasty reduce the size of the tongue.

Adenoidectomy: Removal of the adenoids, usually considered in pediatric cases.

Bariatric Surgery: In cases of obesity-related OSA, weight loss surgery might indirectly improve or resolve the symptoms.

Find the Treatment For You!

Effectively managing sleep apnea with the assistance of insurance benefits requires a comprehensive understanding of your policy, a proactive approach to treatment options, and a thorough exploration of all available therapies.

Each step is crucial in maximizing your benefits, from securing your policy documents and understanding insurance terminology to reviewing coverage details and familiarizing yourself with the claims and appeal processes.

Whether opting for CPAP therapy, the gold standard for obstructive sleep apnea treatment, exploring oral appliance therapy as a viable alternative, or considering surgical options for more severe cases, knowing how to navigate the intricacies of your insurance can lead to substantial savings and ensure you receive the best possible care.

Regular consultations with healthcare providers, whether through in-person visits or telehealth appointments, staying informed about policy changes, and utilizing online resources are key to successfully managing sleep apnea. For those who prefer convenience or require discretion, a sleep apnea test at home with insurance may be an option worth exploring with your provider.

As you embark on this journey, remember that your long-term health and financial well-being are paramount, making it essential to leverage every resource and support available through your insurance plan. This includes understanding whether innovative treatments, such as “does insurance cover inspire for sleep apnea,” are included in your policy, as these newer therapies may offer an alternative to traditional treatments for some patients.

By staying informed and proactive, you can ensure that your sleep apnea is managed effectively, with the full support of your insurance benefits.

For more information, visit our blog page or contact us at Sleep Matters LLC today!