If you have Medicare, Medicaid or private insurance, start with an insurance-billed supplier such as Aeroflow Sleep, since Part B pays 80% of the approved amount after your deductible. If you pay cash, CPAP.com is our top pick for its 60-night mask fit guarantee and free shipping over $50, and The CPAP Shop has the longest return window at 75 days. Choose by checking whether the seller can bill your coverage, what it needs for your prescription and how returns work for opened masks.
CPAP supplies wear out and need regular replacement, so where you buy them matters more over time than where you bought the machine. The biggest choice is whether to use insurance or pay cash.
We compared six CPAP sellers we review on insurance billing, price, return windows and shipping, using each company's own site, plus Medicare's coverage rules. Every one requires a prescription for a machine.
Below you will find how coverage works, our picks with their weak spots, Medicare's supply replacement schedule and what the Philips Respironics recall means now.
Company reviews
People paying cash for CPAP machines, masks and supplies who want a long trial period and help choosing a mask.: CPAP.com
- ResMed AirSense 11 AutoSet
- $1,004, as listed October 2026
Why we picked it. cpap.com is a cash-pay CPAP store in Stafford, Texas, now the anchor of ReDream Brands with Lofta and The CPAP Shop. It offers 60-night returns, free shipping over $50 and a $99 home sleep test.
Pros and cons
Pros
- 60-night risk-free machine return
- One-time 60-night mask exchange plus ongoing 30-night fit guarantee
- Free shipping over $50 and same-day shipping
- $99 home sleep test if you are not diagnosed
- BBB A+ and accredited since 2018
Cons
- Does not bill Medicare, Medicaid or private insurance
- Return shipping and original shipping are not refunded
- Opened parts, cushions and supplies cannot be returned
- Machine prices match other authorized sellers, so savings come from sales
- Shipping delays and support complaints on Trustpilot
People with private insurance or Medicare who want CPAP equipment and regular supply refills shipped home and are willing to keep an eye on their bills.: Aeroflow Sleep
Why we picked it. Aeroflow Sleep ships CPAP machines and supplies billed through insurance, from an Asheville, NC company with an A+ BBB rating. Expect your deductible and coinsurance to apply, and watch for billing errors.
Pros and cons
Pros
- Bills insurance and Medicare for machines and supplies
- Long-running company with an A+ BBB rating and accreditation since 2012
- Cash prices posted online for many items
- 30-day mask exchange
Cons
- 107 BBB complaints in three years, many about billing and delays
- Opened or used items cannot be returned
- Listed as a non-participating Medicare supplier
- Trustpilot reviews split between praise and one star complaints, with no company replies to negative ones
People already on CPAP who travel often and want a backup machine that fits in a carry-on or pocket.: Transcend
Why we picked it. Transcend, made by Somnetics International in Fridley, Minnesota, sells the Micro and Micro 510, travel auto CPAPs under half a pound, direct for $769 and $829 with a prescription.
Pros and cons
Pros
- Micro 510 weighs 0.48 lb and fits in a pocket
- FDA-cleared devices from an established U.S. maker
- FAA compliant for in-flight use, with a downloadable compliance letter
- Works with standard 22 mm masks
- 3-year warranty on the Micro 510
Cons
- No heated humidifier, only a waterless HME
- No BiPAP mode
- Doesn't bill insurance
- Returns only for new, unopened items within 30 days
- Battery adds $349.95
Show all 5 picks2 more, ranked 4 to 5
Cash buyers of CPAP machines, masks and supplies who want time to swap a mask and the option to visit a store in New Jersey or Ohio.: The CPAP Shop
Why we picked it. The CPAP Shop is a cash-pay CPAP and oxygen store in West Berlin, New Jersey. In August 2026 it was sold by AdaptHealth to ReDream Brands, the cpap.com group, and it keeps its own 75-day return policy.
Pros and cons
Pros
- 75-day window to return unopened items or exchange a mask
- Free shipping in the continental U.S.
- Price match within 7 days of purchase
- Retail stores in New Jersey and Ohio plus phone and chat support
- BBB accredited with an A+ rating
Cons
- 15% processing fee on every return
- Doesn't bill insurance or Medicare
- Orders can't be changed or cancelled after you place them
- Ownership changed in August 2026
- Small Trustpilot sample with 36% one-star reviews
People with a sleep apnea prescription who want the most widely supported CPAP machine and mask range.: ResMed
Why we picked it. ResMed (now styled Resmed) makes the AirSense 11 and AirMini CPAP machines. You can buy direct from its online shop, cash only, or through an insurance or Medicare supplier.
Pros and cons
Pros
- AirSense 11 is the most widely stocked auto CPAP in the U.S.
- Large, profitable public company with a long track record
- 2-year machine warranty and cellular data sharing with your care team
- AirMini is one of the smallest travel CPAPs
Cons
- About $1,000 or more for a machine without insurance
- Its own shop takes no insurance and accepts only unopened returns
- 2023 Class I correction on seven mask models with magnets
- Reviewers report slow support and warranty disputes
Check Medicare, Medicaid and insurance first
If you have coverage, start there. Medicare Part B may cover a 12-week trial of CPAP therapy if you have been diagnosed with obstructive sleep apnea, then keep covering it if your doctor documents that the therapy is helping. After the Part B deductible, you pay 20% of the Medicare-approved amount for the machine rental and supplies like masks and tubing, if your supplier accepts assignment. Medicare rents the machine for 13 continuous months, and then you own it.
- Use an enrolled supplier. Medicare only pays suppliers enrolled in Medicare. Lofta, for example, says it has no Medicare or Medicaid supplier number, so Medicare will not pay for what it sells. Aeroflow Sleep says it accepts Medicare and Medicaid.
- Medicaid. Aeroflow Sleep says Medicaid covers CPAP supplies through its service. Coverage rules vary by state.
- Private insurance. Plans usually cover supplies on a set schedule after your deductible. Cash sellers like CPAP.com and The CPAP Shop do not bill insurance but provide receipts and codes so you can file for reimbursement.
You need a prescription to buy a CPAP
Every seller we checked requires a valid prescription for CPAP machines, and ResMed’s shop says some supplies need one too. You can usually upload or fax it after checkout, or the seller can ask your doctor or old supplier for it with your permission.
- No diagnosis yet? CPAP.com sells a home sleep test for $99 and Lofta also sells home testing.
- Expired prescription? Lofta’s RxExpress renewal costs $35, and The CPAP Shop’s SimpleRx offers a 15-minute telehealth visit with a board-certified sleep physician.
- Machine settings. Your pressure settings come from your prescription. Transcend, for example, programs the Micro 510 to your prescription before shipping.
How often Medicare and insurance replace CPAP supplies
Medicare’s coverage policy for PAP devices lists the usual maximum number of supplies it considers reasonable. Many private plans follow similar schedules.
| Supply (HCPCS code) |
Usual maximum |
| Full face mask (A7030) |
1 per 3 months |
| Full face mask cushion (A7031) |
1 per month |
| Nasal mask cushion (A7032) |
2 per month |
| Nasal pillows (A7033) |
2 per month |
| Nasal mask (A7034) |
1 per 3 months |
| Headgear (A7035) |
1 per 6 months |
| Chinstrap (A7036) |
1 per 6 months |
| Tubing (A7037) or heated tubing (A4604) |
1 per 3 months |
| Disposable filters (A7038) |
2 per month |
| Non-disposable filter (A7039) |
1 per 6 months |
| Humidifier water chamber (A7046) |
1 per 6 months |
To keep Medicare paying after the trial, you must use the machine at least 4 hours a night on 70% of nights during 30 consecutive days within the first 3 months. Medicare denies quantities above these as not reasonable and necessary.
How much CPAP supplies cost without insurance
Authorized sellers tend to list the same price on popular ResMed products. When we checked in October 2026, the ResMed AirSense 11 AutoSet was $1,004 at CPAP.com, The CPAP Shop and Lofta, and $1,054 at ResMed’s own shop with HumidAir and standard tubing. The AirFit N20 nasal mask complete system was $105 at both Lofta and ResMed.
- Where you save. Differences come from shipping thresholds, sales, rewards points and price-match policies, not list price.
- Travel machines. Transcend sells the Micro for $769 and the Micro 510 for $829.
- HSA and FSA. CPAP.com lists its home sleep test as HSA and FSA eligible; check with your plan administrator for machines and supplies.
- Shared ownership. cpap.com, The CPAP Shop and Lofta have been owned by the same company, ReDream Brands, since August 17, 2026, so compare their terms knowing they are not independent rivals.
The Philips Respironics recall and what it means now
In June 2021, Philips Respironics recalled certain CPAP and BiPAP sleep devices and ventilators because of potential health risks from the polyester-based polyurethane (PE-PUR) foam used to reduce sound. As of September 1, 2026, Philips reports 2.685 million U.S. patients remediated.
Under a consent decree with the U.S. Department of Justice and FDA, Philips Respironics will not resume selling new CPAP or BiPAP machines in the U.S. until it meets the decree’s requirements. It can keep servicing devices already in use and selling masks, consumables and replacement parts.
- If you own a Philips machine: check whether it was part of the recall and whether it has been remediated using Philips’ recall pages.
- If you use a Philips mask: you can still buy Philips masks and parts from suppliers.
- Do not use ozone or UV cleaners. Philips says these are not approved cleaning methods for sleep apnea devices or masks.
Red flags when buying CPAP supplies
- No prescription required for a machine. A legitimate seller will ask for one.
- Gray-market or unauthorized sellers. The CPAP Shop, for example, promises U.S. warranty units; ask any seller whether the manufacturer warranty applies.
- Restocking fees. The CPAP Shop and Lofta both list 15% fees in some return cases.
- Assuming Medicare will pay. Confirm the seller is enrolled in Medicare before you order, or you pay the full price.
- Ozone cleaners. Philips says ozone and UV light products are not approved for cleaning these devices.
Terms to know
- CPAP
- Continuous positive airway pressure, a machine that keeps your airway open with steady air pressure during sleep.
- APAP or AutoSet
- A machine that adjusts pressure automatically through the night within your prescribed range.
- DME supplier
- A company that provides durable medical equipment; it must be enrolled in Medicare for Medicare to pay.
- Accepts assignment
- The supplier agrees to take the Medicare-approved amount as full payment, limiting what you owe.
- HCPCS code
- A billing code insurers use for each CPAP supply item, such as A7030 for a full face mask.
- Adherence
- Medicare's rule that you use CPAP at least 4 hours a night on 70% of nights in a 30-day period.
