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Your Guide to CPAP Financing

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Written by: The Sleeplay Team

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In the United States (and around the world), options for financial assistance are definitely needed when it comes to sleep apnea. Not only do people need help with CPAP financing, but they also need help with financing the accessories. 

Sleep apnea is a significant health issue for over 18 million Americans, and getting the right devices to help you sleep soundly is incredibly important for your overall wellness.

The National Sleep Foundation reports that a continuous positive airway pressure device (CPAP) is the treatment of choice for obstructive sleep apnea. When you visit a doctor and get a diagnosis, it can be a bit overwhelming when you start looking at the pricing of medical supplies for sleep apnea solutions.

However, finding options for CPAP financing is easier than you might think. Sleep apnea financial assistance is not only for people without insurance, anyone who needs to get sleep apnea equipment can actually benefit from it.

Why Sleep Apnea Financial Assistance is Needed

According to the American Sleep Association, the cost of a CPAP machine ranges from $500 to $3,000. With the average machine setup costing around $850, these essential machines can be quite expensive. Let’s not forget about all the parts and pieces to maintain, which can include:

  • Air Filter
  • CPAP Hose
  • Humidifier
  • CPAP Mask
  • Mask Straps

At Sleeplay, we provide high-quality, trusted brands of CPAP supplies. We believe that getting the essentials you need shouldn’t involve you having to pay through the nose - that’s why we’ve partnered with Afterpay to help you get the supplies you need right away and pay for them later in interest-free installments.

Why Getting Insurance Companies to Cover Sleep Apnea Products Can Be Difficult

Medical bills laid out on a table

If you have received a sleep apnea diagnosis from a doctor, your insurance will likely cover a CPAP device. Insurance coverage varies from company to company, though. Some companies may only provide a basic model even though your doctor recommends that you purchase a CPAP with additional features.

It can be frustrating to deal with insurance companies who are asking you to only buy from a particular provider or only a particular machine. Luckily, most insurance companies will reimburse you for part or all of a device if you decide to purchase it on your own.

We know that the back-and-forth process of communicating with insurance companies can be a tedious task. There can be times where you feel like you’re going in a loop and not getting the information or advice that you’re looking for – and the customer service experience may not be the best.

The good news - you can research and buy the machine that is best for you and use sleep apnea financial assistance to make it happen even quicker than before. You no longer have to wait for your insurance to make the long drawn out decisions about your medical health.

Options for CPAP Financial Assistance

Purchase your supplies with Afterpay

Rather than shelling out the full price for your purchase right away, you can pay for it over time and enjoy the benefits of your supplies without waiting. Afterpay allows you to pay for your product in four equal installments (that are completely interest-free). Any eligible product purchased from Sleeplay can be paid for using Afterpay.

Use a CPAP assistance program

The American Sleep Apnea Association’s CPAP Assistance Program works with manufacturers and nonprofit organizations to provide donated CPAP supplies and accessories to those who need them. For more information about the program fees, requirements, and how to apply, click here.

Get discounted new & gently-used CPAP machines

SecondwindCPAP is a retailer that provides quality “open box” and used CPAP machines at reasonable prices. This is a great option if you want to purchase a backup machine or you simply don’t want to pay steep prices for a new CPAP machine. Plus, they offer free domestic shipping on everything!

The Importance of Starting to Use a CPAP as Soon as Possible

A man laying down and wearing a CPAP mask while looking at his tablet

Photo Credit: Wisp Minimal Contact Nasal Mask

If you’re wondering whether a CPAP machine will truly make a difference in the quality of your sleep - it certainly will (we’ll get to the benefits shortly). It can take your insurance company a long time to review your claim and provide you with a machine. Sometimes the best alternative is to utilize the financial assistance options mentioned earlier to get started right away.

The Sleep Education Center reports using a CPAP can prevent or reverse some very serious medical conditions, including:

  • Heart disease
  • Stroke
  • Diabetes
  • Motor vehicle accidents due to daytime sleepiness

Other benefits to your health include:

  • Daytime alertness
  • Better concentration
  • Emotional stability
  • Less snoring

Your health is the most important asset you have. Once you have received your sleep apnea diagnosis, it’s important that you get the necessary equipment as soon as possible.

One study reported more than double the rate of motor vehicle accidents among patients who were not using a CPAP machine. That means that for every day that a person with obstructive sleep apnea is driving without having used a CPAP machine, they’re doubling their risk of a car accident! That is just one example of why getting started with your machine right away is the best option. 

Begin Your Journey to Better Sleep

Man smiling while working on his laptop

You deserve a good night’s sleep, and we’re here to help you achieve that. At Sleeplay, we’ll work with your budget to get the devices and equipment you need without too much financial strain.

We work with companies like AfterPay for CPAP financing. AfterPay allows you to get the products you need right away and pay for them later. The payments are split into four interest-free installments, making it easier than ever to purchase your sleep apnea equipment.

If you have any questions about sleep apnea financial assistance of your CPAP financing please feel free to contact us today! We are here to help you get the equipment you need.


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