Many private insurance plans cover a significant portion of CPAP therapy, including machines, masks, and replacement supplies.

Coverage in Ontario (Assistive Devices Program)

In Ontario, most people with a valid prescription for CPAP therapy may qualify for support through the Assistive Devices Program (ADP). ADP typically covers a portion of the cost of a CPAP machine once every five years for residents who have Ontario Health Insurance Plan (OHIP) and a qualifying diagnosis.

Many people also have private insurance through their employer or personal health plan. These plans often cover the remaining portion of the CPAP package as well as replacement supplies such as masks, tubing, and filters.

Major Insurance Providers

While coverage varies by plan, we frequently work with clients insured through providers such as (but not limited to):

• Sun Life Financial
• Manulife
• Canada Life (Formerly Great West Life)
• Green Shield Canada
• Blue Cross
• Desjardins Insurance
• OTIP
• Manion
• Claim Secure
  

Most plans provide reimbursement for CPAP machines and accessories, though the exact amount and replacement schedule depends on your policy.

What CPAP Items Are Often Covered

Depending on your plan, insurance may provide coverage for:

• CPAP machines
• CPAP masks
• Tubing and filters
• Humidifiers
• Replacement accessories
• CPAP Pillows
• Batteries

Many insurers also allow regular replacement coverage for masks and supplies, which helps keep your therapy effective and comfortable over time.

How to Check Your Coverage

Questions to ask

If you are purchasing a new machine package, it is recommended to submit an estimate for the most accurate insurance quote. Contact us and we can provide you with an appropriate estimate.

If you are an existing CPAP user looking to resupply your accessories, here is a list of questions that can be helpful to determine your coverage.

1. What are my coverage details for CPAP supplies such as the mask, tubing, water chamber, and filters?
2. What are my frequencies and maximums for those supplies?
3. Are there any co-pays or deductibles associated with my coverage?
4. Am I currently eligible for those supplies?
5. Are there any other requirements I need to be eligible for this coverage?

We Can Help Verify Your Benefits

If you’re unsure about your coverage, our team can help. In many cases, we can assist with verifying your benefits and may be able to direct bill your insurance provider where available.

To get started, simply contact one of our locations or bring your insurance information to your appointment. Our goal is to make starting CPAP therapy as smooth and affordable as possible.

Listed below are common insurance companies and ways to contact them.