Collection: How to Submit Your CPAP Purchase to Your Insurance Company

We Make It Easier to Submit an Out-of-Network Insurance Claim

At CPAP EquipSource, we are a private-pay CPAP and medical equipment retailer. We do not bill Medicare, Medicaid, or commercial health insurance directly.

However, if your health insurance plan provides an out-of-network benefit for CPAP equipment or supplies, you may be able to submit your purchase to your insurance company for possible reimbursement.

When you purchase qualifying CPAP equipment or supplies from us, we can provide you with an itemized receipt and applicable HCPCS billing codes to help you complete your insurance claim.

Please note: Providing a receipt or billing code does not guarantee that your insurance company will reimburse you. Coverage, deductibles, coinsurance, out-of-network benefits, and claim requirements are determined by your individual insurance plan.


How the Process Works

Step 1: Check Your Insurance Benefits

Before purchasing, we recommend contacting your insurance company and asking whether your plan provides out-of-network coverage for durable medical equipment (DME), CPAP equipment, or CPAP supplies.

The phone number for your insurance company's member services department is usually located on the back of your insurance card.

Ask your insurance company:

  • Do I have out-of-network DME benefits?

  • Are CPAP machines and supplies covered under my plan?

  • Is a prescription required?

  • Do I need prior authorization?

  • Do I need a specific diagnosis code?

  • What out-of-network claim form should I use?

  • Where should I submit my claim?

  • What documentation is required?

  • What portion of my purchase may be eligible for reimbursement?

Insurance policies vary, so we recommend confirming these requirements before placing your order.


Step 2: Purchase Your CPAP Equipment or Supplies

CPAP EquipSource operates as a private-pay retailer. You pay CPAP EquipSource directly for your equipment or supplies.

After your purchase, we can provide an itemized invoice/receipt showing the products purchased, quantities, charges, and applicable billing information.

Your invoice may include the applicable HCPCS code (s) associated with the equipment or supplies purchased.


Step 3: Obtain Your Insurance Company's Claim Form

If your insurance company requires an out-of-network claim form, obtain the appropriate form directly from your insurance company.

Many insurance companies allow members to download claim forms through their member website or mobile app.

You can also contact the member services number on the back of your insurance card and request the appropriate out-of-network DME claim form.

Do not assume that the same form or procedure applies to every insurance company. Requirements can vary by plan.


Step 4: Complete the Claim Form

Your insurance company's claim form will typically request information such as:

  • Your name and address

  • Date of birth

  • Member ID

  • Group number, if applicable

  • Insurance company information

  • Date of purchase or date of service

  • Description of the equipment or supplies

  • Quantity purchased

  • Amount paid

  • Provider or supplier information

  • HCPCS code(s)

  • Diagnosis information, if required

Use the information provided on your CPAP EquipSource invoice when completing the claim.

Important

If your insurance company requires information that is not shown on your receipt, contact your insurance provider for instructions before submitting the claim.


Common HCPCS Codes for CPAP Equipment and Supplies

HCPCS codes are standardized billing codes used to identify medical equipment and supplies.

Some commonly used codes associated with PAP equipment include:

HCPCS Code General Description
E0601 CPAP/APAP device
E0470 Bi-level respiratory assist device without backup rate
E0471 Bi-level respiratory assist device with backup rate
E0561 Non-heated humidifier for PAP
E0562 Heated humidifier for PAP
A7030 Full-face CPAP mask
A7031 Replacement full-face mask interface
A7032 Replacement nasal mask cushion
A7033 Replacement nasal pillows
A7034 Nasal mask/interface
A7035 PAP headgear
A7036 PAP chinstrap
A7037 PAP tubing
A7038 Disposable PAP filter
A7039 Non-disposable/reusable PAP filter
A7046 PAP humidifier water chamber
A4604 Heated PAP tubing

These are examples of commonly used PAP-related HCPCS codes. CMS maintains and updates the HCPCS code system, and individual insurance plans may have their own claim requirements.

For Medicare-related PAP coverage, CMS identifies the applicable HCPCS codes and coverage requirements through its Medicare coverage policies.

Always verify the applicable code and claim requirements with your insurance company before submitting a claim.


Step 5: Submit Your Claim

Once your claim form is completed, review it carefully to make sure the information is accurate.

Include the documentation requested by your insurance company. This may include:

  • Completed claim form

  • CPAP EquipSource itemized invoice or receipt

  • Prescription or physician documentation, if required

  • Any other supporting documentation requested by your plan

Submit the claim using the method specified by your insurance company.

Depending on your insurance plan, claims may be submitted by:

  • Online member portal

  • Insurance company mobile app

  • Mail

  • Fax, if permitted


What Happens After You Submit Your Claim?

Your insurance company will review the claim according to the terms of your individual insurance plan.

Possible outcomes may include:

  • Full or partial reimbursement

  • Application toward your deductible

  • Application toward your out-of-network maximum

  • Denial because the item is not covered

  • Denial because you have no out-of-network benefits

  • Request for additional documentation

CPAP EquipSource cannot guarantee reimbursement or determine how your insurance company will process your claim.

For questions about coverage or reimbursement, contact your insurance company's member services department.


CPAP EquipSource Makes the Process Easier

Although we do not submit insurance claims on behalf of our customers, we understand that insurance paperwork can sometimes be confusing.

That's why we provide customers with clear, itemized documentation for their purchase, including applicable billing information when available.

Our goal is to make it as straightforward as possible for you to submit your own out-of-network claim.

Have Questions About Your Purchase?

If you need help understanding the information shown on your CPAP EquipSource invoice, contact us and we'll be happy to help explain the information we provide.

For questions about whether your insurance plan will pay for your purchase, please contact your insurance company directly.


Important Insurance Disclaimer

CPAP EquipSource is a private-pay retailer and does not submit or process insurance claims on behalf of customers.

Providing an invoice, receipt, or HCPCS code does not mean that an item is covered by your insurance plan and does not guarantee reimbursement.

Insurance coverage varies by plan. Customers are responsible for confirming eligibility, coverage, deductibles, out-of-network benefits, documentation requirements, and reimbursement policies directly with their insurance provider.

Please contact your insurance company before making a purchase if insurance reimbursement is an important consideration.