While insurance will typically cover some of the costs involved in purchasing PAP equipment, there are often restrictions that accompany shopping with insurance. Some insurance plans require you to show proof of use of your PAP equipment or meet other conditions to qualify for coverage.

Most insurance plans offer coverage for PAP equipment only after you meet your deductible. When making your decision, calculate whether your PAP equipment is likely to cost more than your deductible, both now and in the long run. Don’t forget to budget for the ongoing costs of tubes, filters, and other accessory replacements.

Here’s a side-by-side breakdown of the terms of purchasing PAP equipment with an insurance provider in mind compared to purchasing entirely out-of-pocket.