# CPAP Cost Check

Rent, buy or use insurance. See what each one costs you over the months you need it.

A CPAP can cost you three very different amounts. Renting with cash costs little up front. Buying costs more on day one and less over time. Going through insurance depends on your deductible, your share after it, and the 13 month rental most plans use. Put in your own numbers below.

## Your Numbers

Change anything. Nothing you type leaves this page and nothing is saved.

  Months you expect to need it
  Supplies per month when you own it ($)

### Renting with cash

  Start from a rentalCPAP Ninja, about $39 a month, a $79 setup fee, mask not includedThe CPAP Box, $29.99 machine plus the required $25.99 supply planMy own numbers
  Rent per month ($)
  One time costs, like a setup fee or mask ($)
  Does the rent include supplies?YesNo, add supplies on top

### Buying with cash

  Start from a machineReact Health Luna G3 Auto, $849Philips DreamStation 2 Auto, $879ResMed AirMini travel CPAP, $919ResMed AirSense 11 AutoSet, $1,004My own price
  Machine price ($)
  Mask, if not included ($)

### Through insurance

Most plans rent the machine for you for 13 months, then you own it. Your plan or supplier can tell you the allowed amount. Use 2026 Medicare numbers

  Deductible you still owe this year ($)
  Your coinsurance (%)
  What the plan allows for the machine over 13 months ($)

  **$0**Renting with cash
  **$0**Buying with cash
  **$0**Through insurance

## How the Math Works

**Renting** is the monthly rent times the months, plus any one time fee. If the rent does not include supplies, the tool adds your monthly supply cost.

**Buying** is the machine price plus a mask, plus supplies every month.

**Insurance** adds up what the plan allows for the machine and supplies. You pay all of it until your deductible is met, then your coinsurance share of the rest. The plan rents the machine for 13 months, then you own it and only supplies go on. A deductible starts over each year, so a long stretch can cost a little more than shown.

Read [Renting a CPAP Without Insurance](https://nightwells.com/learn/rent-a-cpap-without-insurance/) for the full story on each price, and [the 4 hour rule](https://nightwells.com/blog/cpap-4-hour-rule/) for the use check that keeps insurance paying.

## Cash Rental Prices We Found

These are the companies that rent to cash payers, on what each one’s own site says. Nobody paid to be here. They are in order of monthly price.

- ### The CPAP Box $29.99 a month Machine rental for a ResMed AirSense 10 CPAP or AutoSet. A BiPAP is $59.99 a month. Based in Worthington, Ohio, and ships by ground. [The CPAP Box on NightWells](https://nightwells.com/providers/ohio/worthington/the-cpap-box-worthington/). [thecpapbox.com](https://www.thecpapbox.com/machine-rental-info?utm_source=nightwells&utm_medium=referral&utm_campaign=cpap_cost_tool)
- ### CPAP Ninja From $1.30 a day Billed monthly, so about $39 a month. One month minimum, no contract and no credit check. Ships to the lower 48 states. [cpapninja.com](https://www.cpapninja.com/pages/cpap-rental?utm_source=nightwells&utm_medium=referral&utm_campaign=cpap_cost_tool)
- ### Affordable Medical Supplies $60 to $200 A supply store in Plano, Texas that rents by the week or by the month, with a one week minimum. Pick up in store or call. [amednow.com](https://amednow.com/shop/cpap-machine/?utm_source=nightwells&utm_medium=referral&utm_campaign=cpap_cost_tool)
- ### CPAP Supply USA $89 to $175 A 35 day rental, built for a trial or a trip rather than long term use. Their own page lists more than one price table, so confirm by phone. [cpapsupplyusa.com](https://www.cpapsupplyusa.com/sleep-apnea-machines/rental.html?utm_source=nightwells&utm_medium=referral&utm_campaign=cpap_cost_tool)

Prices read on each company’s own site on 14 October 2026. Confirm before you pay.

## Find a CPAP Supplier Near You

NightWells lists 265 places for CPAP supply and fitting. Many bill insurance, so ask them for the allowed amount to put in the tool.

- [CPAP suppliers in Ohio](https://nightwells.com/providers/ohio/#cpap) 90 listed
- [CPAP suppliers in Michigan](https://nightwells.com/providers/michigan/#cpap) 84 listed
- [CPAP suppliers in Indiana](https://nightwells.com/providers/indiana/#cpap) 48 listed
- [CPAP suppliers in Kentucky](https://nightwells.com/providers/kentucky/#cpap) 43 listed

## Common Questions

### How much does a CPAP cost without insurance?

A new auto CPAP costs about $849 to $1,054 to buy. Renting costs about $30 to $60 a month. Add a mask and supplies either way. Put your own numbers in the tool above to see which costs less for you.

### What is the 13 month rule for CPAP?

Medicare and many plans rent the machine for you for 13 months in a row. After the 13th payment you own it. You pay your share each month, so if you stop early you pay less but you do not keep the machine.

### What does Medicare pay for a CPAP?

In 2026 you pay the first $283 of Part B costs for the year. After that Medicare pays 80 percent of the approved amount and you pay 20 percent. Medicare keeps paying only if you use the machine enough in the first three months.

### Is it cheaper to rent or buy a CPAP?

Renting is cheaper for the first few years. At the prices we found, buying wins after about 29 to 34 months. If you are new to CPAP, renting first lets you find out if it works for you.

### Does this tool tell me if I need a CPAP?

No. It only does the math on cost. Only a clinician who has seen your sleep study can say if you need a CPAP and what settings to use.

## Where These Facts Come From

- [CMS, 2026 Medicare Parts A and B premiums and deductibles](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles)
- [Medicare.gov, CPAP devices](https://www.medicare.gov/coverage/continuous-positive-airway-pressure-devices)
- [Medicare.gov, durable medical equipment coverage](https://www.medicare.gov/coverage/durable-medical-equipment-dme-coverage)
- [CMS coverage rule L33718, use requirement](https://www.cms.gov/medicare-coverage-database/view/lcd.aspx?lcdid=33718)
- [Rental and machine prices, with each company’s own page](https://nightwells.com/learn/rent-a-cpap-without-insurance/)

NightWells publishes information, not medical advice. This tool does math on cost only. It does not diagnose anything or say if you need a CPAP. A CPAP needs a prescription, and the settings should come from a clinician who has seen your sleep study. Your plan’s own numbers win over anything here.

Source page: https://nightwells.com/tools/cpap-cost/