Man at his kitchen table filling out an insurance claim form next to his CPAP machine

Get started with your CPAP insurance claim.

Your plan may help cover the cost of your CPAP supplies and accessories. Choose your insurance company below for forms and instructions to submit your claim.

A little guidance for your next step.

  • Explore potential savings

    Your purchase may qualify for reimbursement, depending on your insurance plan.

  • Find the forms you need

    Choose your insurance company to view its claim forms and filing instructions.

  • Have a previous order?

    Start with your order history in your account, then check your plan's filing deadline.

Reimbursement depends on your plan and isn't guaranteed. Check with your insurance company to confirm coverage and claim requirements.

Select your insurer

Each insurer has its own claim form. Choose yours to see the four steps. If yours is not here, call the member services number on your insurance card and ask for its claim form.

How to file with UnitedHealthcare

  1. Get the UnitedHealthcare claim form

    Download the UnitedHealthcare claim form (PDF) and fill in the member section. Some plans also take claims online after you sign in at myuhc.com.

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How to file with Aetna

  1. Get the Aetna claim form

    Download the Aetna medical claim form (PDF). Its first page explains each box. Some Aetna plans also take claims online after you sign in at aetna.com.

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How to file with Cigna

  1. Get the Cigna claim form

    Download the Cigna medical claim form (PDF). If your plan comes through an employer, check the forms page in myCigna first. Some employer plans use their own version.

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How to file with Humana

  1. Find your Humana claim form

    Humana uses a different form for each type of plan. Open Humana's forms page to find yours, or sign in at MyHumana to see your plan's documents.

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How to file with Blue Cross Blue Shield

  1. Find your Blue plan's claim form

    Each Blue Cross Blue Shield plan is run locally and has its own form. Find your Blue plan, then search its website for "medical claim form".

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How to file with Kaiser Permanente

Most Kaiser Permanente plans are HMOs, which usually cover equipment only when it comes through Kaiser. Call Member Services before you order and ask whether your plan pays members back for equipment bought elsewhere.

  1. Find your region's reimbursement form

    Each Kaiser region has its own form. Open Kaiser's forms page, choose your region and look for "member reimbursement".

  2. Gather your receipt and prescription

    Your itemized receipt is in your order confirmation email and under Orders in your account. Add a copy of your prescription. Insurers ask for one even for supplies.

  3. Send everything to your insurer

    Mail the form, receipt and prescription to the claims address on the back of your insurance card, or upload them if your insurer's website allows it. A mask sold with its headgear shows as one item on your receipt, and so does a machine sold with its humidifier. If your insurer has a question about an item, contact us.

  4. Watch for your reimbursement

    Your insurer sends an explanation of benefits showing what your plan allowed. If the claim is approved, the payment comes to you. Most plans take a few weeks, and the amount depends on your plan.

How self-filing works

When you file yourself, nothing about your order waits on an approval. You pay us, you file and your insurer pays you back what your plan allows.

  1. You order and payCheck out as usual. Nothing waits on an insurance approval, so your order ships on our normal schedule.
  2. We send an itemized receiptIt is in your confirmation email the moment you order, and it stays under Orders in your account for as long as you need it.
  3. You file the claimPick your insurer above for the claim form and where to send it. Attach your receipt and your prescription.
  4. Your insurer pays youWhat comes back depends on your deductible and your out-of-network benefit. Most plans answer within a few weeks with an explanation of benefits.
A woman holding a ResMed AirSense 11 CPAP machine

Insurance questions

Do you bill my insurance?

This page is for filing a claim yourself. You order at our regular price and send your insurer its claim form with your receipt and prescription. Your plan then pays you back what it allows. Nothing about your order waits on an approval.

For Florida residents, we also bill a number of plans directly, including Medicare. If yours is on our list of plans, send us your insurance details and we can run your order through your insurance for you.

Which insurance plans can you bill for me?

We bill Medicare and a number of Medicaid and commercial plans directly for Florida residents, and a few plans for members in Massachusetts and New Jersey. See the plans we work with and what to send us. If your plan is not listed, you can still file a claim yourself using the steps on this page.

Will my insurance pay me back?

It depends on your plan. PPO plans with an out-of-network benefit usually pay a share once you have met your deductible. HMO plans usually pay nothing for equipment bought outside their network. The number on the back of your card is the fastest way to find out.

What counts as an itemized receipt?

One that shows each item, its price, the date and who you bought it from. Your order confirmation email has all of that, and so does the order page in your account. If your insurer wants billing codes printed on it, email us your order number and we will send an invoice with the codes added.

Do I need a prescription to file a claim for supplies?

Insurers want one on file, yes. We do not need a prescription to ship cushions, filters or tubing, but your plan treats them as medical equipment. Send the same prescription you used for your machine or mask, or ask your doctor's office for a copy.

Can I use my HSA or FSA and also file with my insurance?

Use one or the other for the same purchase. Money from an HSA or FSA is already tax free, and the IRS does not allow the same expense to be reimbursed twice. Many people use the card for supplies and file an insurance claim for a larger purchase like a machine.

A complete mask is one line on my receipt. How do I list it?

List it under the mask code, for example A7030 for a full face mask or A7034 for a nasal mask. A complete mask includes the headgear, and most plans accept it that way. If your insurer needs the headgear broken out, contact us with your order number and we will help.

How long does reimbursement take?

Most insurers respond within a few weeks with an explanation of benefits. If you have heard nothing after 30 days, call the claims number on your card and ask for the status of your claim.

Can I file for an order I placed months ago?

Often, yes. Many plans accept a member claim for up to a year after the purchase date, so check your plan's filing deadline. Every order you have placed with us stays under Orders in your account, so the receipt is always there.

Need help?Our experts are here for you.

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