Medical Insurance and Sleep Apnea – Mesa, AZ
Your Medical Insurance Can Help You Rest Easy
You may use your medical insurance for a variety of purposes. It can help you pay for a variety of healthcare services, including preventive checkups with your physician, necessary tests and treatment, and even prescription medications. But did you know that it may also help you afford your sleep apnea treatment? On this page, we will discuss sleep apnea insurance coverage and how you may be able to use your policy at Ocotillo Sleep Solutions.
How Medical Insurance Works
Medical plans vary greatly in the coverage they offer. However, there are some basic points that apply to most policies:
- Sleep testing and sleep apnea treatment are usually covered. Keep in mind, however, that you may need pre-authorization from your insurance company.
- A deductible may apply. You might need to pay a certain amount out of pocket before your insurance kicks in.
- You will have either a coinsurance or a copay. A copay is a set dollar amount that you must pay for certain services, while coinsurance is the percentage of a service’s cost that you must pay. Most plans enforce either a coinsurance or a copy, not both.
If you have questions about how your medical plan works, its online portal may have valuable information. Our team members can also prove to be a rich source of information when you are trying to understand how your policy applies to the sleep apnea services we offer.
Medical Insurance vs. Dental Insurance
Even though Dr. Jones is a dentist, dental insurance does not apply to the sleep apnea services he provides. That is because dental insurance focuses primarily on preventing and treating conditions that are directly related to oral health, such as cavities and gum disease. Medical insurance, on the other hand, focuses on protecting policyholders’ overall health and is usually the best type of coverage for patients who are striving to conquer a sleep disorder.
In-Network vs Out of Network Coverage
At Ocotillo Sleep Solutions, we are pleased to accept payment from most PPO health insurance plans, regardless of whether we are in a plan’s network.
If a care provider is in an insurance plan’s network, it means that they have a contract that controls prices. This helps the insurance company and patients save money. We are proud to be in-network with:
- United Healthcare
- BlueCross BlueShield
We have extensive experience in working with these companies and are in a good position to help you get the greatest possible value from your coverage.
Out of Network
Even if we are out of your PPO plan’s network, you may still be able to use your benefits here! We will file your claims for you, help you understand your coverage, and do our best to keep your out of pocket expenses to a minimum.