FAQs
CPAP Insurance Quote Questions
An insurance quote is a detailed document showing the products you plan to purchase and their costs. Insurance companies use this to pre-approve coverage or process reimbursement claims. It includes product names, model numbers, quantities, and itemized pricing.
No, you don’t need a prescription to request a quote. However, you will need a valid CPAP prescription from your doctor to submit to your insurance provider along with the quote. Most insurance companies require both documents for coverage approval.
There’s no difference in pricing—you’ll see our regular prices including any available discounts or promotions. This quote is simply formatted documentation for insurance purposes. If you’re ready to purchase without waiting for insurance approval, you can checkout normally on our site.
No. Insurance quotes reflect our regular retail pricing, including any current sales or promotions available to all customers. This is documentation for your insurance claim, not a price negotiation. All customers pay the same prices whether they purchase directly or submit for insurance.
Quotes are typically valid for 30 days. However, if product pricing changes or items go on sale after we send your quote, just let us know and we’ll update it for you.
You can still purchase any products from our site at regular pricing. Many customers pay out-of-pocket and claim the medical expense tax credit on their income tax return. See our insurance coverage guide for alternative funding options.
Absolutely. Most insurance plans cover replacement masks, filters, tubing, and other supplies on a regular schedule (often twice per year). Let us know what supplies you need and we’ll include them in your quote.
Your quote will include:
- Itemized list of products with full names and model numbers
- Individual prices for each item
- Total cost
- Your contact information
- Date of quote
- Our company information for insurance verification
This is everything most insurance providers require for pre-authorization or reimbursement.
CPAP Insurance Coverage in Canada
How Insurance Coverage Works
Provincial Programs
Some provinces offer public funding for CPAP equipment:
- Ontario: The Assistive Devices Program (ADP) covers 75% of approved CPAP machine costs for eligible residents.
- BC, Alberta, and other provinces: Limited coverage through social assistance programs for qualifying individuals.
Private Insurance
Most employer-provided extended health plans cover CPAP equipment as durable medical equipment. Typical coverage includes:
- 50–80% of equipment costs, or
- A fixed dollar amount (e.g., $2,000 over 3–5 years)
- Replacement supplies (masks, filters, tubing) on a regular schedule
What You’ll Need for Coverage:
- Sleep apnea diagnosis from a sleep study
- Valid CPAP prescription from your doctor
- Detailed quote or receipt from your equipment provider (that’s us!)
- Completed insurance claim form (if required by your plan)
Next Steps:
- Contact your insurance provider to confirm your coverage details.
- Request a quote from us using the form below.
- Submit the quote to your insurance provider for pre-authorization.
- Purchase your equipment once approved.
Need More Details? Read our comprehensive CPAP Insurance Coverage Guide for province-by-province information, insurance provider contacts, and step-by-step instructions.