Insurance and CPAP - What you Need to Know 


There has been a significant shift in the way many insurance companies are paying for CPAP devices. Like Medicare, most insurance plans are adopting a RENTAL model of payment with some type of ADHERENCE requirement. This means your insurance company is renting a device for you to try. If you use it enough, they continue to pay for it. If you don't use it enough, they stop paying for it.


For example, Medicare has a 90-day trial, while plans such as Harvard Pilgrim and BlueCross may have a 10 or 13 month rental and adherence timeframe. In fact, BlueCross will only pay for ongoing supplies if we can show that you are sufficiently using the device on a yearly basis. Check your plan to be sure of the specifics.


Did you know who sets the rate for your charges? Your insurance company does. Nearly all suppliers like National Sleep Therapy are paid the same amount for all equipment. These rates are set by your insurance company. When you receive a bill from us, it's only after we have submitted a claim to your insurance company and they have told us what to bill you.



Customers on a rental receive a monthly bill for their device. Please understand that if you have a co-insurance amount, your insurance company requires that you pay your portion of the monthly rental charge. For example, if your insurance company pays 80% of charges and you have a 20% coinsurance, then you would be liable for 20% of the rental charge each month.


Who owns the device?

National Sleep Therapy owns the CPAP device through the trial/rental period. You will own the device once the CPAP rental period is completed and all invoices paid. If you do not meet your insurance plans minimum usage, then you will need to return the device to National Sleep Therapy because your insurance stops paying for it.

Questions? Feel free to call us at 888.867.8840 or email 
NST Success Stories

Sylvie Hebert is lucky to be alive.

That's what other drivers and Vermont State Troopers told her minutes after her car hit two guard rails and spun into a ditch in the median strip on a busy highway.

"I must have fallen asleep at 65 miles per hour," says Sylvie, recalling the accident two years ago. "They said I would have died if I wasn't wearing my seat belt!"

Sylvie, of Williamstown, VT, thinks her chronic fatigue started 20 years ago. "For years I snored and was always tired. Even if I was in bed for 8 hours, I'd fall asleep during the day, no matter where I was."

After the accident, Sylvie, age 52, wasn't allowed to drive until she had a sleep test. Her doctor prescribed an overnight study at Dartmouth-Hitchcock Medical Center in Lebanon, NH, where she was diagnosed with sleep apnea.
Read more on the NST Blog>
How should I care for my humidifier and what type of water should I use?



Please remember to only use distilled water. In a pinch, you can use bottled water however water that is not distilled usually contains a higher mineral content, especially tap water. These minerals can build up in your humidifier chamber and also be transported into the CPAP air that you breathe which can cause irritation of the airway. So as long as you're using distilled water routinely, using tapwater or bottled water in a pinch is just fine. If you're in a hotel or in a city where the water seems extremely chlorinated you may want to opt for purchased bottled water only due to the smell and that the chlorine might be irritating to your airway.


We recommend that you dump the water out of your humidifier each morning, or if you are using the Soclean device you can keep the water in the chamber and sanitize it. If not using the Soclean sanitizer, use fresh water each day and wash your chamber in the sink with warm soapy water about once per week. Do not use any harsh detergents chemicals, bleaches, or ammonia. You can use a very mild soap such as Ivory soap, or four parts water and one part vinegar. Make sure you rinse the chamber thoroughly and dry it upside down on a soft clean towel.


Have a question? Send us an email.
(See note about email in footer below.)
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The caring staff at National Sleep Therapy want to make sure you are satisfied with our services. By leaving feedback for us, we can create a better experience for you.




Our next 'CPAP Chat' support call, held on the first Wednesday of each month from 7 - 8 pm (ET), is scheduled for June 3, 2015. CPAP Chat is open to individuals who use CPAP for sleep apnea or other sleep issues, health care professionals, and anyone else interested in the topic. For more information call 888.867.8840.



To participate: Just prior to the session, call 1-800.204.6655, enter access code 342-2187#.


Register Here

Treating Sleep Apnea May Ward Off Memory Decline

Breathing problems during sleep may be linked to early mental decline and Alzheimer's disease, a new study suggests. But treating apnea with a continuous positive airway pressure machine can significantly delay the onset of cognitive problems.


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