Medical Insurance and Sleep Apnea
Many people with sleep apnea are uncertain of the cost of treatment. This misconception often prevents individuals from seeking the necessary support to live better lives.
Medical insurance can be an invaluable resource for those living with sleep apnea, making treatment more accessible and reducing out-of-pocket expenses for preventive checkups, necessary tests and treatments. It helps make preventive checkups, necessary tests and treatments much less expensive out of pocket.
Before making any treatment decisions, it’s essential to be aware of your specific plan. Furthermore, discussing these options with Dr. Paskalev can help you clarify what is covered and not covered.
If you have Medicare, your medical insurance may cover some sleep apnea treatments. However, it may not cover all services recommended by your doctor and could only cover certain tests or procedures.
Obstructive sleep apnea (OSA) is an unfortunately common and underdiagnosed sleep disorder that interrupts breathing during sleep, leading to serious health complications.
Signs of sleep apnea include loud snoring, arousals during the night, daytime sleepiness and fatigue. Furthermore, this condition may increase heart disease and stroke risks.
The most successful treatment for sleep apnea is CPAP therapy, which utilizes a face mask that delivers air pressure to keep your airway open while you sleep. While this therapy has proven highly successful, many patients find the mask uncomfortable or inconvenient to use.
If you find it difficult to tolerate the pressure of CPAP therapy, an oral appliance might be your best bet for treatment. These appliances are custom-fitted to your face and FDA-approved to treat mild to moderate sleep apnea. Patients find these appliances very comfortable, as well as more effective than CPAP in many cases.
Most medical insurance plans cover oral appliances. You may have to complete a 30-45 day trial period with the appliance to make sure it works for you and meets Medicare compliance requirements.
Life insurance is an essential component of financial security that helps cover medical bills and protects you financially in case you get into debt. Having adequate life coverage makes it simpler to repay loans, keep your home, and ensure the wellbeing of those close to you. With sufficient life coverage, there’s no reason why not have peace of mind knowing that they have enough protection for any emergencies that might arise along the way
Life insurance companies are willing to offer preferential rates to applicants with sleep apnea who follow recommended treatment protocols. American General, for instance, is a highly-rated insurer and has been around since 1919.
Medical insurance is essential to protect your health, but it’s also crucial that you are honest with your insurer about sleep apnea. If not honest about your condition, your carrier could deny or cancel coverage altogether.