Is Oral Appliance Therapy Covered by Insurance?
Most medical insurance companies cover oral appliances, but it’s important to submit the right paperwork to avoid denials. There are over 100 FDA-approved devices available, and we offer various styles to ensure the best fit and results for you. At Pacific Sleep Apnea Center, we handle the paperwork for your insurance company and ensure that pre-authorization is secured before starting treatment. This option is typically classified as a medical device, meaning claims are rarely denied. However, most insurances do not cover appliances for snoring, but your dental insurance might.
Insurance for Sleep Apnea & Sleep Disorder Treatment
Pacific Sleep Apnea Center can file with most major insurance companies that are not HMO. Our team will work with you and your insurance company prior to treatment to help you understand your benefits and minimize your out-of-pocket costs. We are a Medicare provider, and if you have supplemental coverage, it may cover it 100%.
When you enroll in medical insurance, you agree to meet your annual deductible before your insurance starts covering additional services. This means you may need to pay a deductible for sleep apnea treatment. If you have co-insurance or a co-pay, you might also need to pay a percentage or a fixed amount for the services you receive. Fortunately, most insurance companies cover sleep studies and sleep apnea treatments, including CPAP machines and oral appliances. To maximize your benefits, it’s important to complete the necessary pre-authorization before starting treatment.
Financial Policy
At Pacific Sleep Apnea Center, payment in full is required for any amounts the patient is responsible for at the time services are provided. This may include co-pays, co-insurance, and deductible amounts. We accept cash, checks, and all major credit cards. If needed, a payment plan can be arranged.
If current insurance information is not provided before services are rendered, it may lead to a claim denial. While we assist patients in obtaining reimbursement from their insurance companies, please note that the patient remains ultimately responsible for their bill.