How to Bill Your Health Insurance for Your Out-of-Pocket CPAP Expenses

insurance Many of our customers have requested information from us in reference to submitting a health insurance claim for supplies bought through DME Supply USA. To help our patients use their insurance to their fullest benefit, we have decided to include this page of general instructions for filing an insurance claim on your own behalf for CPAPsupplies. Please Note: Medicare does not allow patients to submit claims on their own behalf. These claims must be billed from a medical equipment company with a Medicare provider number.

Please Note:DME Supply USA can only provide general instructions for our patients. We cannot determine the policies and procedures for each insurance company and therefore cannot guarantee that this information is accurate for your specific policy. Please verify the following information with your company prior to filing a claim.

General Instructions

  • Contact the members services department of your insurance company directly to ensure that they allow subscribers to submit claims for medical expenses purchased out-of-pocket (such as the CPAP supplies you purchased through DME Supply USA).
  • When speaking with the representative from your insurance, ask them on what type of form they require you to submit your claim information. Some companies will allow you to use a generic document called the Health Insurance Claim Form. You can download this form  here.
  • Complete the form required, including the billing and qualifying information used by insurance companies to process claims (see below: HCPCS codes, Diagnosis Codes, and Tax ID numbers).
  • Attach a copy of your invoice from DME Supply USA. Supplies ordered on your invoice will need to be split into the appropriate HCPCS billing codes based on your purchases.
    Example: Our CPAP masks generally come with headgear. Insurance companies process the cost of mask headgear and the mask separately. When you send your invoice you will need to make these separations. As a general rule, the cost of your mask alone is 70% of the total cost you paid, while the headgear is 30% of the total cost. Using this general rule will allow you to split these costs into the correct codes for your insurance company.
  • Submit the claim form and invoice to your insurance company in the method they prescribe (most require you mail; some will allow you to fax).
  • Wait for reimbursement. Generally, insurance companies say they can complete claims within 30 business days. Check with your company for their specific turnaround time.


Physician Diagnosis Code

Insurance companies require you provide a code associated with your specific medical diagnosis. To ensure that you have the correct code for your diagnosis, please contact one of our experrts. They will be happy to assist you with hcpc codes on items purchased from DME Supply USA.

Our Company Information

Your insurance company may require information about DME Supply USA, to process your claim. The most requested information is below:

Phone: 866-763-4363
Tax ID Number: 

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