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CPAP Machine Cost: Is it Cheaper Without Insurance?

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cpap machine costThe first step to getting the most out of your CPAP therapy and receiving the restful night of sleep you deserve is purchasing the right machine for you. CPAP, APAP, and BiPAP machines fit different needs, varying based on the lifestyle factors that matter the most to you.

However, when it comes to the different types of machines, the cost is the factor that can influence your machine choice the most.

Let’s dive into how much a CPAP machine costs with and without insurance, the price of supplies, and if you should buy your new machine online.

How Much Does a CPAP Machine Cost?

The average cost of a CPAP machine is between $300 to $500. The average cost of an APAP machine is around $800. A BiPAP machine starts out around $1,300. Lastly, travel machines cost around $800.

Additional CPAP machine costs include the price of a humidifier, mask, hose, and replacement supplies, including disposable, reusable, and bacteria filters. These additional supplies add comfort, an increased level of effectiveness, and cleanliness to your machine setup.

For a Quality CPAP Machine, You’ll Typically Pay:

  • $300 to $500 for the Machine
  • $150 for the Mask
  • $30 for the Hose
  • $125 for the Humidifier (If It’s Not Included With Your Machine Purchase)

For a Quality APAP Machine, You’ll Typically Pay:

  • $800 for the Machine
  • $150 for the Mask
  • $30 for the Hose
  • $125 for the Humidifier (If It’s Not Included With Your Machine Purchase)

How Much Do CPAP Supplies Cost?

In addition to the CPAP machine itself, you have to consider the cost of CPAP supplies and add-ons, such as a humidifier, mask, hose, and cleaning supplies. Supplies are covered by insurance, but coverage levels vary from state to state.

CPAP Masks: CPAP masks typically cost between $35 to $150. Masks should be replaced every three to six months. The cost of your CPAP mask will vary depending on the style, features, and quality.

CPAP Humidifiers: Humidifiers typically cost between $150 to $200 and aren’t required for CPAP therapy. Humidifiers are designed to make your CPAP therapy more comfortable. Many machines come equipped with a built-in humidifier.

CPAP Hoses and Tubing CPAP hoses typically cost between $10 and $40. CPAP hoses should be replaced every six to twelve months. The price difference in hoses lies in the type of hose you choose. Heated hoses are more expensive than standard hoses. With heated hoses, heating coils cut down on the formation of condensation inside the hose itself, making for a more comfortable therapy experience.

CPAP Supplies: Supplies like filters range in price from $10 to $40, based on what your specific machine requires. Almost all CPAP machines have different filters that are used to remove atmospheric irritants from the air you breathe.

The three different types of filters are disposable (fine), reusable (foam), and bacteria. Disposable filters are the cheapest and found on most machines. They cannot be washed, meaning they should be replaced frequently when they start to show wear and tear. Reusable filters are intended to be cleaned periodically and aren’t used in every machine. Reusable filters range from $9 to $20. Bacteria filters are optional but add another level of protection to your CPAP setup by filtering out mold, bacteria, and other tiny particles that make it past your machine’s standard defenses. Bacteria filters cost almost $20 for a five-pack.

How Much Do Cleaning Supplies Cost?

Upkeeping your CPAP equipment can increase the longevity of your machine and the quality of your therapy.

To get the most out of your therapy, clean your equipment with cleaning supplies—including mask wipes, disinfectants, tube brushes, mask and hose soap, and the Lumin. Mask wipes cost around $10 and disinfectants around $13. Tube brushes cost around $15. Mask and hose soap is around $6.

How to Buy a CPAP Machine

There Are Generally Two Ways to Buy a CPAP Machine:

  • Working With Your Doctor (Who Works With a CPAP Supplier called a Durable Medical Equipment Provider or a DME)
  • Online Through CPAP.com

But which option is the most cost-effective?

Is It Cheaper to Purchase Your CPAP Machine Through Insurance?

Let’s start with a potentially surprising idea—if you get your new CPAP machine from your insurance company, you may be overpaying. The cost of a CPAP machine with insurance is often much higher than the cost to buy it online. Let’s explore why!

With most insurance companies, your machine is covered only if you’ve met your annual deductible. If you haven’t met your deductible, you’ll be on the hook for the cost of the machine, which may be more expensive than purchasing it yourself online.

Purchasing a CPAP machine through insurance isn’t the same as the copay you’re used to when you visit the doctor’s office. If you get your new CPAP machine through insurance, they may offer it to you on a rent-to-own plan that can cost you a hefty amount per month in rental fees, costing you more than the machine is worth. A second avenue is you may have to buy the machine outright if you haven’t met your deductible. If you have Medicare, you’ll pay 20% of the cost upfront and then rent it for 13 months.

If you’re wanting a travel machine through your insurance company, you may run into some roadblocks. Insurance companies typically only supply one home unit.

To keep our prices low, CPAP.com doesn’t bill insurance for our machines or accept Medicare. You can still file a claim with your insurance. However, since we don’t work with insurance companies, we are able to offer you the lowest price for CPAP machines, allowed by the manufacturer.

Do You Get the Best CPAP Machine Through Insurance?

When getting a CPAP machine with insurance, many people assume they’ll get the best machine, which isn’t always true. In many cases, the CPAP supplier your insurance company recommends is reimbursed the same amount of money regardless of the quality of your machine. Thus, there’s no incentive for the CPAP supplier to give you the best machine.

In addition, if the supplier gives you a cheap, average machine, then they can pocket more of the insurance company’s reimbursement versus giving you a more expensive, higher quality machine.

With CPAP.com, you are in control of your CPAP therapy. You get to choose the machine that best fits your lifestyle and sleep apnea needs.

Compliance Monitoring Through Your Insurance

Renting to own your CPAP machine through your insurance company would mean the machine is yours, right? Unfortunately, that’s not always the case.

While the most common way of starting your CPAP therapy through your insurance company is renting your machine, you are often required to use it in order to keep it. You read that right—if you don’t regularly use your CPAP machine, then your insurance company can take it from you even if you’ve been paying for it monthly.

In comes compliance monitoring. Through compliance monitoring, your insurance will monitor your data every night. If you go a period of time without using your machine, it may indicate to your insurance company that you’re not serious about your sleep apnea treatment, and they will request the machine back.

Buying a CPAP machine online means you’re always in charge of your therapy. You’ll own it from day one.

You Can Still File a Claim When You Buy With CPAP.com

CPAP.com is considered an out-of-network DME or CPAP supplier, and insurance plans differ in coverage based on the DME. If you purchase your machine through us, you can still file a claim with your insurance company for reimbursement. If you have coverage, we can help you get reimbursed through your insurance company.

It’s important to remember that just because you receive an insurance compliant invoice, there’s no guarantee that you will get reimbursed. It’s important to check with your insurance company if you’re planning on filing for reimbursement.

Getting a good night of sleep translates to the overall productivity of your day. Without a good night of sleep, you can experience daytime sleepiness or trouble focusing. If your untreated sleep apnea is keeping you from getting the quality sleep you deserve, finding the best CPAP machine for you is the first step.

Explore your options on CPAP.com to find your ideal machine and pricepoint for your lifestyle.

Elevate Your Sleep Experience!

Catch Better ZzZs for less with our most popular machines, masks, and accessories. 

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16 thoughts on “CPAP Machine Cost: Is it Cheaper Without Insurance?”

  1. Henri St-Amour

    I have a CPAP that I bought in 2013 as my first one was 9 yrs old.
    I have now a resmed escape and looking for a battery pack for it as I am planning a fishing trip in the bush for about three days. What is your suggestion. where I am going there is no way of recharging the unit.
    Do you have a rep in Ontario Canada

    1. Hey Henri!

      Thanks for taking the time to write! I’m going to put you in touch with a CPAP expert, who will be emailing you regarding your fishing trip. Hopefully, the two of you can figure something out!

  2. Geoff Blackwell

    I am enquiring if you have gift vouchers please?
    Thanks Geoff Blackwell
    Current user of 1 of your machines

    1. Hi Geoff,

      My apologies, but we do not currently offer any type for gift vouchers or gift cards. If you are asking about promotional codes, we do have promotional offers on a regular basis. These can always be found on our home page at CPAP.com. Thank you for commenting on our blog if you haven’t already signed up for our newsletter I would suggest that you do so because we also offer special promotions through our newsletter.

  3. I have a good machine about two years old or so. I will be 65 2020 and wondering will Medicare cover. I’ve been using one since 1996 and so addicted to I can’t sleep without one,including naps. Just hoping Medicare will cover if I’m around then.

  4. I was assaulted and robed twice last June while on vacation in Barcelona Spain.Had a CPAP from Redpironics Inc. All I was left with was the System One Htd Humid,because I did not took it with me.I had travel insurance they will pay for the part that was stolen.Getting not help from my part supplier. Will like to know the price and will get the Rx from doctor.

  5. Prices in Australia are up to three times as much. It’s criminal, really. It’s not like it’s an optional accessory.

    Good and useful article.

  6. Hear a firsthand account of why CPAP user David Repasky felt like going through his insurance company to get his first CPAP machine was a mistake
    Do you have a link for this? It’s not above in the article that I could find.

  7. Daniela:

    I need to decide to purchase either RESMED AIRSENSE 10 AUTOSET or PHILIPS RESPIRONICS DREAMSTATION AUTO. Please let me know which one is better. Thank you so much.

    1. Hi Kathy, both the AirSense 10 Auto and DreamStation Auto are excellent machines. Your choice of machines will ultimately be one that you must decide on. The AirSense 10 has a built-in humidifier whereas the DreamStation has an option to add a humidifier.

      This may be important if you like to travel, but do not wish to carry a bulky humidifier with you, then the DreamStation may be the machine for you. Sound level may be another deciding factor for you, the DreamStation’s DBA (sound level) is less than than the AirSense 10’s.

      Please keep in mind that CPAP.com is currently offering a 30 day risk-free trial on the AirSense 10 Auto. This means if you purchase the machine and you are not satisfied with it for any reason within 30 days, you can return the machine and get a refund, or select a different machine.

      Please make note that this offer does not exist for the DreamStation Auto and once you use the machine, it is your machine to keep.

      Please see the link below which compares the two machines side-by-side so that you may see the specs of each machine, as this may assist you in making the better decision on the machine that may suit you best.


      I hope this helps you in your decision making process, if you have any further questions, or concerns please feel free to reach us at: 1-800-356-5221, or via e-mail at: cpap@cpap.com.

      Have a great day!

    1. Hey Ginger, I can’t confirm what the process would be with other online companies, but when purchasing a machine from CPAP.com, we will set the machine according to your prescription, before shipping. When you receive your machine, you will only need to connect your mask and your machine is ready for use!

      For further questions, or concerns, please feel free to reach us at: 1-800-356-5221, or you may e-mail us at: cpap@cpap.com.

      Have a great weekend!

  8. Wow, this article is 100% accurate – I decided from the minute i called my recommended insurance provider of CPAP to go it by myself, it was cheaper and no stress of having to deal with the monitoring. Here is my experience –

    Stats before the CPAP were from my sleep study – 74 apneas, 43 hyponeas, and my index was 17.2 I had 314 snoring events and lowest desaturation was 80% and oxygen was 91%. – with 6 hours and 45 minutes on the sleep study. Wow what an eye opener …

    Now I can say my index is between 0.2 and 0.4 per night – virtually no snoring (my spouse says never heard one.) My pressure averages around 9.4 (with auto set at 6-16) – I will spare the other details since I haven’t done another study with the unit on, but the data shows amazing and I feel amazing.

    1) Called the local recommended provider to get me setup with CPAP unit – they said we need $350 and then it will be $45 per month for 12 months. Huh? I though well maybe these things are 3k + – wrong. If i want to buy it, give them a Credit Card over the phone now for $1200. Then I asked do you have a selection of units I can review to make sure i am getting the best, including Mask types (didn’t know much about Pillows, vs Nose vs Full Face.) They told me to look on their website and there was nothing. Pay them then get something – Ridiculous !

    2) I called my Dr’s and they said go ahead and find another DME locally that I liked. I found one that I called and they had me visit them within 2 hours, I spent maybe 30 minutes and had a completely new ResMed Air Auto for and all accessories for under 1000 bucks including mask and all accessories.

    3) I ended up buying 5 other masks types so i could experiment myself over 2-3 weeks and now I found the right combination and am scoring near 100% every night on my myAir website.

    4) I found the clinical settings and was able to after much research experiment myself with Ramping and Ramping EPR to help me fall asleep on my terms and timetable. I don’t recommend diagnosing your changing settings yourself, but my sister is a RN cpap user for herself and her husband for many years and she assisted me in a safe way.

    5) The built in card transmits my Stats to my phone every morning, and the Digital card can be used by my Doc to check things out. Free ! (If your the inquisitive type like me, I downloaded an open source software called SleepyHead which the developers doesn’t support any longer,) but was able to upload my own data onto my PC to see graphs and charts of all the clinical results. Again, I don’t recommend self diagnosing but being a technical person it was interesting to review and look at – just more data then you can see on you myAir app on your phone.

    I had no stress dealing with an insurance company and thank goodness, because the first 2 – 3 weeks were hell trying to get used to these things and figuring out exactly what combination worked for me ! If i knew that someone was watching me only to fail or not want to wear it if i was traveling or other reasons, would have made me give up quicker.

    I also tried almost EVERY version of Chin strap there was out on Amazon – until I found the perfect one for me – most of them are crap and didn’t help keep my mouth shut. Some of you wonder why not the full face mask, I am very claustrophobic and it just never felt good for me every time i tried it. I know 2-3 weeks seems like a short period to experiment but i know my body well, and I can tell after just 1-2 nights on each mask if this is what I wanted to live with and actually commit to it, knowing I tried all my options. I could have, but I didn’t want to settle.

    My final combo was the a chin strap because I am a mouth breather, and the Nasal Pillow (both ResMed versions) ended up to be winners for me.

    My only disappointment was that I didn’t do this sooner – like 15 years ago !

    If you can swing the $1000 bucks (some good online stores will finance much cheaper than insurance) – for me the right choice was buy it myself – and feel more in control that I didn’t have to settle for less for something that will be with me 7 hours a day for rest of my life.

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