Should you rent or purchase your next CPAP machine?

What’s the difference between device purchase and rental?

Whether you are getting ready to use your first CPAP machine or you’re a seasoned user about to get the latest CPAP model (have you checked out the new machines with wireless modems??) it’s important to understand these options.

Who determines if I pay for my CPAP as a purchase or rental?

If you are using health insurance to pay for your CPAP, your insurance company will determine whether they pay as a purchase or rental. Most insurance companies are paying on a rental basis, typically for about 10 months. Many insurance companies follow Medicare guidelines for CPAP equipment.

The rental rates are usually base on the purchase price. For example, if the purchase price for the CPAP machine is $800, the monthly rental fee is $80/month for 10 months. The supplies, like your mask, tubing, cushions and even the heated humidifier, are typically purchased and the rental terms only apply to the CPAP machine (aka flow generator). Read more about how much a CPAP machine and supplies cost.

Watch out for compliance requirements

After the rental period is over, you own the device. However, these insurance companies are often requiring proof that you are using the equipment and meeting their usage requirements (at least 4 hours per night for 70% of nights) in order to continue payment. If you don’t meet the compliance requirements, they will not pay. You will either have to pay cash for your equipment or return it to your equipment provider. Read more about what to do if your insurance company won’t pay because you’re not compliant.

Your insurance may require another face-to-face visit with your doctor

Another Medicare guideline that other insurance companies are starting to follow is requiring another face-to-face visit with your physician in the first months of therapy. Medicare and United Healthcare both require that patients have a clinical re-evaluation between the 31st and 91st day after starting therapy, to include:

  1. Treating physician documents that the patient is benefiting from therapy; and
  2. Objective evidence of usage (compliance data)  is reviewed by the treating physician


Do I have to use my insurance to pay for my CPAP and supplies?

Of course, you don’t have to use your insurance to pay for your CPAP machine or supplies. In fact, if you don’t want to go through the hassle of proving compliance and dealing with a 10 month (or longer) rental period, you may prefer to pay out of pocket for your equipment.

For some patients who have high insurance deductibles, they end up paying out-of-pocket even WITH insurance.

If you pay cash, you can still elect to rent your CPAP machine (you’ll always purchase the supplies like mask and tubing), but it usually makes more financial sense to pay out right for the purchase. You may even end up paying less than if you used your insurance and went out-of-network. Read about the top reasons why people decide to pay cash for CPAP and supplies.

If this is your second CPAP machine (for travel or a second home) you will need to pay cash. Insurance usually won’t cover more than one CPAP machine every five years.

If you’re interested in learning more about getting a new CPAP machine, check out our online store or call us to speak to a customer service representative (877) 775-3377 option 607. We offer face-to-face set-ups or we can ship to you.

Shop for CPAPs and supplies

Other posts you may find interesting:


  1. James Smith Reply

    I need to rent one

  2. munib ikram siddiqui Reply

    want to purchase

  3. Noreen LaVallo Reply

    My doctor ordered a new Auto pap machine. I was told my payments for “rental” were $100 a month for 13 months, totally $1300. Medicare was billed $950 and paid $357.66 with a “write off” allowance of 493.80…..SOOOOO WHY am I paying $1300 dollars PLUS the cost of supplies???? This does not make any sense to me…. I am on a fixed income and they don’t even offer financial aid….

  4. L B Reply

    I am new at this myself but I did find a web site under hel i can’t afford my cpcp device. It has several organizations that help people get devices. look into it.

    • Melissa Arroyo Reply

      Hi do you have the information for the organizations that help. If you do can you send it to me please

  5. Kara Reply

    I discovered yesterday that my CPAP provider has been billing my insurance $2700 PER MONTH for rental, leaving me on the hook for over $2000 in fees out-of-pocket–as of now. Their bills continue to be sent each month. I am in shock.

  6. Deborah Reilly Reply

    I would like to rent a CPAP machine The doctor has recommended the requirements which I will send to you.

  7. BW Reply

    I found out that Aerocare, my supplies provider sends me supplies every 3 months, whether or not I need them because the “Dr. Sleep” filled out the prescription that way. My “old” tubes and masks are still fine and I don’t feel I need supplies until they are worn. I called Dr. Sleep and he wrote a different prescription that is on an “as-needed” basis. Now I am going to find out if I own my CPAP or not after renting it for 12 months now.

    • C. Quica Reply

      BW, the mask and tubes may seem fine but the mask can wear and not seal as well over time, making it less effective. Same for tubing – it can develop small cracks/leaks, and there is also a risk of virus/fungus/bacteria finding place grow, which puts you at risk for illness. It probably seems wasteful but better to replace it as scheduled.

  8. Nancy Quintano Reply

    Why I have to start all over after 9 months of rental just because I change insurance?

  9. Nancy Quintano Reply

    Why I have to start all over with 10 months rental , after 9 months of rental just because I change insurance?

  10. Brad Reply

    I just got a quote that it’s going to cost me about $350 per month with an initial payment of $443! Why not just buy the damn thing?

  11. Barun Kumar Reply

    I want to hire a CPAP machine

    • Joanne Alfuso Reply

      I have a CPAP machine that I wasn’t able to use most of the time I had it because of illnesses trouble with the mask trouble with the tubing trouble with the machine itself I need the direction on how to use it and I didn’t have a way of going to the manufacturer to get that direction I have no car I have no way of getting to Hudson which is way out of my area I need the CPAP machine because I’m suffering with very severe sleep apnea and it’s affecting my heart and my blood pressure and is detrimental to my health I need to get this straightened out and I have a hard time going through all the bureaucracies of Medicare and the manufacturer and everything else can somebody help me because this is going to kill me if I don’t get the CPAP machine I have one I haven’t returned it to the manufacturer because it was supposed to be he’s supposed to use it within a certain time frame and I wasn’t able to do so so that bureaucracy has set me up for all kinds of problems

  12. High Rated Gabru Reply

    Awesome blog post. Keep writing.

  13. Jean Reply

    I cannot afford to pay X amount of 20 %of Medicare will pay.
    I will not pay $1000.00 a month for a gadget that may not work.

  14. Jean L Sprague Reply

    I have used a bipap x 20 years. It just quit last night. I have a copy of my sleep study from 06. My app to get my scrip isn’t until April. I need a rental until April. Please help me!!

  15. drift boss Reply

    On the issues raised, I agree with your point of view!

  16. Helena Reply

    Great! Thank you for sharing this with us for free. I really appreciate it.

  17. cookie clicker unblocked Reply

    Thanks for sharing. This post is probably where I got the most useful information for my research. Maybe we can see more on this. I really appreciate it.

    • cookie clicker unblocked Reply

      Thanks for sharing. This post is probably where I got the most useful information for my research. Maybe we can see more on this. I really appreciate it.

  18. [link name=cookie clicker unblocked][/link] Reply

    Great! Thank you for sharing this with us for free. I really appreciate it.

  19. Stumble Guys Reply

    This post provided me with most of the information I needed for my investigation. After checking the information, I think you should play Stumble Guys game for fun

  20. music Reply

    your blog is so cool i like it thanks for that

  21. دانلود آهنگ Reply

    i always check you content thank you and good luck

  22. death run 3d Reply

    Depending on the needs of use, decide to buy or rent

Leave a Comment