are cpap cleaners covered by insurance

Are CPAP Cleaners Covered By Insurance?

If you’ve never enquired about a CPAP cleaner, you might not understand the reason for that question. Better still, check your favorite e-commerce website and see. The prices of CPAP cleaners are somewhat pricey. Perhaps the question shouldn’t even only be “are CPAP cleaners covered by insurance?” but also include “can I get discounts on CPAP cleaners?”.

So, back to the initial question. Currently, there is no insurance for CPAP cleaners.

If there is no insurance, is there any alternative to navigating the pricey CPAP utilities?

Yes, there is. Fortunately, this piece has it all.

Even though some CPAP cleaners could cost as high as $500, insurance providers don’t extend their services in help. Perhaps to these providers, CPAP cleaners are not “core” essentials.

When you think of it, there are alternatives to using a CPAP cleaner. You even have two options:

  • Soap – clean your CPAP gadgets. Most times, you could even use your routine dishwater. However, you should ensure that such soap is scentless and mild.
  • Vinegar – even do better than soap. Vinegar sanitizes as well. With the natural extract, you will rid your CPAP utilities of dirt and germs.

The only side effect of vinegar is the odd after-use smell. Luckily, a soap can fix such an odor.

Another concern could be the issue of safety. Generally, CPAP cleaners use either of two technologies: ozone or UV light.

Unfortunately, those aids come with various drawbacks. For ozone-activated cleaners, there is a fear of toxicity.

According to the FDA (United States Food and Drugs Administration), ozone is a toxic gas that could inflame the lungs. To further state her claim, FDA says ozone even has to be at high concentrations to kill bacteria. Imagine such drawbacks!

For UV – cleaners, there is the fear of radioactive elements. Indeed, the cleaning aid here, which is UVC, is safe. Yet, people reserve fear for anything radioactive.

In light of such concerns, you can understand why insurance ditches CPAP cleaners. Perhaps in the future, they will come to have services for users.

But that doesn’t help you at the moment. You want a way to beat down the prices now. Even if it’s not insurance, would you care for alternatives? Yes?

Then, you should check this out:

insurance

4 Alternatives To Insurance That Could Ease The Purchase Of CPAP Cleaners

Flexible Savings Account (FSA)

FSA is a form of insurance for navigating bills. It is a tax-advantaged account. In other words, there is no tax-deductible on any withdrawal from this account.

However, there are a few rules:

  1. Only an employee can set up FSA. Automatically, if you’re unemployed, this is not for you. Even if you’re employed, but your employer has no such offer, you can’t enjoy FSA.
  2. FSA is a “you use or forget it” fund with a year lifespan. That means if you don’t use the funds at the year-end, you’d have to wait before accessing the new year’s contribution.

Nevertheless, there are a few exceptions. You can request a two-and-half months extension till March (the following year). Fortunately, the amount of extension can go up as high as $500.

Note: FSA is not free money. Whatever amount you spend, your employer will deduct from your paycheck depending on whatever plan works for you.

Health Savings Account (HSA)

HSA works similarly to FSA; they both attract no tax deduction. Other tax advantages, HSA differs from FSA. See the differences:

  1. Like FSA, your employer can set up an HSA account on your behalf. But you can do it yourself as well; you can set up your individual or employee account. Meaning: you don’t have to be employed to have an HSA account. However, either method must comply with the qualifications of an HDHP (High Deductible Health Plan).
  2. With HSA, you won’t lose money after a calendar year. Instead, your balance stays in for future purposes.

HSA has an advantage over FSA. When you leave your job, the money in your account goes to you – regardless of who contributed the funds.

Note: you can only make contributions to your HSA account as long as you comply with HDHP. About withdrawal, even when you don’t have a plan with HDHP, you can yet withdraw your money for health expenses.

A quick tip: use HSA instead of FSA for your CPAP cleaner purchase. It’s more flexible than the latter, and your money and interest grow even when you don’t use the funds.

alternatives to insurance

Medicare

If you think Medicare works like HSA and FSA, sorry to break the bubbles, it doesn’t. Instead, Medicare is like most insurance providers; it doesn’t have support plans for CPAP cleaner purchase.

So, how does Medicare help?

Instead of supporting the payment of CPAP cleaners, Medicare helps with the other fees. Such include sponsoring sleep apnea therapy and rentals and purchases of CPAP machines (not cleaners).

For sleep apnea therapy, Medicare pays for a 3-month trial. However, you must meet one of these requirements:

  • AHI or RDI is more than a minimum of 30 counts per hour.
  • A combination of daytime dizziness; cardiovascular conditions; and a record that your AHI or RDI is more than ten events (at minimum) per hour.

[AHI means Apnea-Hypopnea Index, and RDI means Respiratory Disturbance Index]

In addition to those two requirements, Medicare also requests patients to seek a physician’s counsel. Not only that, the patient must comply with the instructions of CPAP suppliers or manuals.

For CPAP machines, Medicare pays for up to 13 months of rentals once you pass your 3-month trial. It’s now up to you to use your CPAP machine during the 13 months.

If a CPAP physician can attest that your health is improving, then after a 13-month window, the CPAP machine is yours.

Stick To Affordable CPAP Cleaners

Don’t you think the Medicare requirements are quite steep? How would you meet all that?

What if there is a simple approach?

Well, there is. Instead of expensive CPAP cleaners, you can go after an affordable alternative. That doesn’t mean the cheaper options are not functional.

Most are newer brands looking to carve a niche in the market. Fortunately, some of these brands still support HSA and FSA.

But where can you get such CPAP cleaners? Don’t stress; we have the most affordable aid for you. Have a look:

Top Affordable CPAP Cleaner On The Market

Top CPAP Cleaner And Sanitizer

Top CPAP cleaner is the most affordable and effective CPAP cleaner we’ve seen at $139; it even comes with free shipping. With discounts, the price can further drop to $90. Amazing, eh?

Even at that affordable price, the gadget yet has some great offerings. Check it out.

Pros

Easy to use: Top CPAP has LED screen support. That means you easily toggle the options with your fingers.

Furthermore, the CPAP cleaner uses a single-button for all operations. In other words, you wouldn’t need to master different keys.

Compact size: Top CPAP cleaner has a 4.7×1.95×1.95 inch fit. Thanks to that size, it is easy to carry around. Be it travels, vacations, or even to your office: Top CPAP ensures that you don’t stress for hands or backs in the cry for the load.

Compatibility: regardless of your CPAP masks, Top CPAP cleans all. In addition to cleaning, it also sanitizes. Thanks to its dry-conditioned ozone component, Top CPAP can clear up to 99.9% germs off your CPAP utilities.

In the process of sanitizing your devices, Top CPAP also deodorizes. It removes the foul smell of the germs stuck on your masks and ensures you sleep well.

Money-back guarantee: if you don’t enjoy the services, you can always complain and receive your money back in full. However, this feature has a cap of 30 days. So, do well to figure it all out within that window.

Also, Top CPAP has a 12-month replacement. Yet, the brand offers an 18-month parts guarantee. Imagine all that good deals for just $139!

Durable battery: Top CPAP has a fast charge feature. That means within minutes, your cleaner is ready for use.

Once full, your aid can clean your CPAP utilities up to 10 times. With the same full-charge, the cleaner can complete up to 8 sanitizing cycles.

As a cherry on top, Top CPAP has an auto-shut function. That means that it can shut itself when it’s cleaned or sanitized your devices. In other words, it conserves its battery for future use.

Cons

No insurance – Top CPAP cleaner does not come with insurance. However, when you consider the pricing, it is relatively cheap.

At $139, and with all the functions of Top CPAP, you can bother less about insurance. Nevertheless, you can always use HSA and FSA to cover the payments. And there is still Medicare that can support you for your therapies and CPAP machines.

Verdict

Insurance providers don’t have services for the purchase of CPAP cleaners. Luckily, you have options.

First, you can use soap and vinegar to clean your CPAP aids. But if you’re bent on CPAP cleaners, you can try HSA, FSA, or Medicare.

Even none of the three plans helps, you always fall back on affordable CPAP cleaners. That would fit your budget.

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