Does Medicare cover CPAP machines for sleep apnea?

Yes. Medicare Part B covers CPAP devices and supplies after a qualifying sleep study and diagnosis of obstructive sleep apnea. You pay 20% of the Medicare-approved amount after meeting the $283 annual Part B deductible.

What is the Medicare 90-day CPAP compliance rule?

Medicare requires you to use your CPAP at least 4 hours per night for 70% of nights during a consecutive 90-day period. If you don't meet this threshold, Medicare can stop covering your machine and supplies.

Is a sleep study covered by Medicare?

Medicare Part B covers Type I, II, III, and IV sleep tests when ordered by your doctor and you show clinical signs of sleep apnea. Type I tests must be done in a sleep lab facility. You pay 20% after the Part B deductible.

Should I choose Medigap or Medicare Advantage for sleep apnea equipment?

With Original Medicare plus a Medigap plan like Plan G, your 20% coinsurance for CPAP equipment is covered. Medicare Advantage plans may have lower premiums but can require prior authorization and limit you to in-network DME suppliers. A broker can compare both options for your situation.

Medicare Broker for Sleep Apnea Patients: CPAP, Sleep Studies, and Plan Selection

A Medicare broker for sleep apnea patients can save you real money and a lot of frustration. Between CPAP rental rules, compliance tracking, and choosing the right plan for ongoing supply costs, the details trip people up fast.

I'm Anthony Orner, a licensed Medicare broker. I help people with sleep apnea figure out which plan actually covers their equipment without surprise bills. That starts with understanding how Medicare handles CPAP from day one.

Call for Free Advice — 855-559-1700

How Medicare covers CPAP machines and supplies

Medicare Part B covers CPAP devices and related supplies once you have a qualifying sleep study and an obstructive sleep apnea diagnosis from your doctor. You'll pay 20% of the Medicare-approved amount after meeting the $283 annual Part B deductible.

Covered supplies include masks, tubing, filters, and humidifier chambers. Medicare rents the CPAP for 13 months. After that, you own it.

The 90-day compliance rule you need to know about

This catches a lot of people off guard. Medicare requires proof that you use your CPAP at least 4 hours per night on 70% of nights during a consecutive 90-day window. Your machine tracks this automatically.

If you fall short, Medicare can stop paying for the machine and supplies. That means you could end up buying everything out of pocket. Talk to your sleep doctor early if you're struggling with mask fit or pressure settings.

Sleep studies: what Part B actually pays for

Medicare Part B covers Type I through Type IV sleep tests when your doctor orders them and you show clinical signs of sleep apnea. Type I tests (the in-lab overnight studies) must be done in a certified sleep lab facility.

Home sleep tests (Type II-IV) are also covered. You pay 20% after the deductible. Ask your provider for costs upfront so there are no surprises.

Medigap vs. Advantage for sleep apnea equipment costs

With Original Medicare plus a Medigap plan like Plan G, your 20% coinsurance on CPAP equipment and sleep studies is covered. You pick any Medicare-accepting DME supplier you want.

Medicare Advantage plans may have lower monthly premiums, but they often require prior authorization for CPAP equipment and limit you to in-network suppliers. Some Advantage plans charge flat copays for DME that can add up over 13 months of rental.

The right choice depends on how much equipment and how many follow-up visits you need. That's exactly what I compare for you.

What most people wish someone had told them sooner

CPAP supplies need regular replacement. Masks every 3 months, tubing and filters on schedule. Plan coverage varies on replacement timelines.
If you switch plans mid-rental, you could lose coverage continuity on your CPAP. Timing matters.
Struggling with mask comfort is normal. Don't quit before the 90-day window closes. Work with your provider to adjust.

Get a free plan comparison for sleep apnea coverage

I'll review your current plan, check your DME supplier network, and tell you exactly what you'd pay for CPAP equipment under each option. No cost, no obligation.

One call can clear up months of confusion. I do this every day for people dealing with exactly this situation.

Talk to a Medicare broker who understands sleep apnea coverage.

Call 855-559-1700 or Get a Free Quote