Does Medical Insurance Cover Sleep Apnea Treatment?

March 15, 2024
Person filling out health insurance document

Obstructive sleep apnea (OSA) can have devastating consequences for your overall health. Fortunately, treatment can minimize OSA’s impact and protect your head-to-toe wellness. Still, you might wonder about the financial aspect of your care. Will your medical insurance cover your sleep apnea treatment? This blog post provides important information.

Medical Insurance for Sleep Apnea Treatment

In most cases, medical insurance does cover services that are related to the diagnosis and treatment of sleep disorders, including OSA. Usually, covered services include:

  • Sleep testing. Both in-lab and at-home sleep tests might be covered by your policy.
  • CPAP therapy and/or oral appliance therapy. (Even though oral appliance therapy is provided by dentists, it is considered a medical treatment. Therefore, it is covered by health insurance, not dental insurance.)
  • Other treatments that are widely acknowledged to reduce the effects of sleep apnea. For example, in some severe cases, surgical intervention might be covered. In most cases, new or experimental treatments are not covered.

Of course, it is worth keeping in mind that every medical plan is unique. You should check with your insurance provider to find out exactly what services are covered and the steps you need to take in order to use your benefits.

Using Your Health Insurance for Sleep Apnea

Here are some tips that can help you use your health insurance to reduce your out-of-pocket expenses for sleep apnea treatment:

  • Find out if you are required to get a referral from your primary care practitioner before you undergo a sleep test or seek out OSA treatment.
  • Examine your policy details to find out if you will be responsible for coinsurance or a copay. There might also be a deductible that applies.
  • Ask your preferred sleep apnea treatment provider if they work with your insurance company.
  • If there is anything you do not understand about how your insurance policy applies in your situation, ask either your insurance company or your care team.
  • Make sure your care team has your updated insurance information so they can file claims in a timely manner.

OSA is a serious medical condition, and insurance companies acknowledge that! Hopefully, you can use your policy to help you start sleeping better each and every night.

Meet the Practice

Dr. Kenneth Mogell and the team at Florida Dental Sleep Disorders are proud to serve the communities where we operate. We accept most major insurance plans, including Medicare and TRICARE. We are even in-network with many popular plans, including those from Aetna, BCBS, Humana, and more. To learn how we may be able to help you use your benefits, contact any of our locations or call our Vero Beach office at 772-882-6800.