As the year comes to a close, it’s not just the holidays sneaking up; it’s also the deadline to make the most of your insurance, FSA, or HSA benefits. If you’re using a CPAP (continuous positive airway pressure) machine to manage sleep apnea, now is the perfect moment to stock up on your supplies and take full advantage of your benefits before they reset.
If you wait too long, you could miss out on covered supplies that keep your therapy working safely and effectively, and that can mean less restful sleep and more out-of-pocket costs in the new year.
At Rotech Healthcare, we make it easy to stay on schedule, stay covered, and stay sleeping soundly.
Why Year-End Matters for CPAP Users
Every December, millions of Americans lose unspent healthcare dollars when insurance deductibles, flexible spending accounts (FSAs), and health savings accounts (HSAs) reset. If you rely on a CPAP machine, your supplies are likely covered by insurance, FSA, or HSA, but only for a limited time.
That means if you haven’t reordered your supplies this year, you might be leaving money (and better sleep) on the table.
Here’s what happens with each type of plan:
- FSA (Flexible Spending Account): Use it or lose it. Most FSAs expire December 31, and unused funds are forfeited.
- HSA (Health Savings Account): HSAs typically roll over, but reordering now helps reduce next year’s expenses and ensures you start 2026 with fresh supplies.
- Insurance: Many plans reset deductibles annually, so reordering now may mean lower or no out-of-pocket costs compared to after January 1.
Make sure to check your current balance and coverage limits. It only takes a few minutes and can save you hundreds.
What CPAP Supplies Are Eligible for Replacement
Just like toothbrushes, filters, or car oil, your CPAP equipment needs regular replacement to keep it performing its best. Over time, parts wear down, lose elasticity, or accumulate bacteria that can affect both comfort and health.
Most insurance providers (including Medicare) follow a standard replacement schedule. Here’s a quick guide:
| Supply Item | Recommended Replacement |
|---|---|
| Nasal Mask Cushion / Nasal Pillows | 2 per month |
| Disposable Filters | 2 per month |
| Full Face Mask Cushion | 1 per month |
| Mask (Full Face, Nasal, Nasal Pillow) | 1 per 3 months |
| Tubing | 1 per 3 months |
| Headgear | 1 per 6 months |
| Chinstrap | 1 per 6 months |
| Humidifier Water Chamber | 1 per 6 months |
| Non-disposable Filters | 1 per 6 months |
Please Note: Quantity and frequency may vary with your insurance coverage.
If you’ve had your supplies for more than a few months, chances are you’re due for a refresh.
Not sure what you’re eligible for? Rotech’s specialists can check your insurance coverage and let you know exactly what you qualify for. Call one of our helpful Sleep Central Representatives at (800) 288-1853 or click the button below to reach us via online chat.
Why Regular Replacement Matters
Using worn or old CPAP equipment isn’t just uncomfortable; it can also compromise your health and therapy effectiveness.
Here’s why regular resupply matters:
1. Hygiene and Health
Moisture from your breath and humidifier can lead to mold and bacteria buildup. Replacing filters, masks, and tubing on schedule helps prevent infections, congestion, and allergic reactions.
2. Therapy Effectiveness
Leaks in tubing or worn cushions can reduce the pressure your machine delivers, making your CPAP therapy less effective. That means your sleep quality, and your energy, can suffer.
3. Comfort and Compliance
When your mask fits properly and your equipment feels clean, you’re more likely to stay consistent with therapy. And consistency is the key to long-term results.
4. Insurance Compliance
Medicare and most insurance providers require documented CPAP use and replacement within approved timeframes to maintain coverage. Staying current keeps your coverage active and ensures reimbursement approval.
Use Your Benefits Before They Expire
Your health and your wallet both benefit when you plan ahead. By reordering your CPAP supplies before December 31, you can:
- Maximize your insurance, FSA, or HSA coverage before it resets
- Avoid paying new deductibles in January
- Start the new year with fresh, clean supplies
- Stay compliant and comfortable with uninterrupted therapy
Delaying until the last minute can mean longer wait times and potential delays in shipping, especially during the busy holiday season! Learn more about replacing your CPAP supplies on our website or reach out to us for additional help.
How to Order Your CPAP Supplies with Rotech
Rotech makes it easy to get the supplies you need without the stress.
Here’s how:
- Check Your Eligibility
- Call your local Rotech location or contact our support team.
- We’ll help you confirm what your insurance or benefits cover.
- Choose Your Supplies
- Masks, filters, tubing, humidifiers, headgear — we’ve got it all.
- Not sure what you need? Our team will guide you based on your machine and therapy setup.
- Get Fast, Hassle-Free Delivery
- Enjoy free delivery as your supplies will be shipped directly to your home at no additional cost to you.
- Nationwide network with local support you can count on.
- Set Up Future Reminders
- Rotech can send friendly reminders when it’s time to reorder, so you never miss a replacement window. Plus, when you sign up for automatic supply replacement, you no longer have to wait for a phone call.
Reordering has never been easier, because when it comes to your health, we get it right the first time.
Common Questions About CPAP Supplies and Year-End Benefits
What CPAP supplies are covered by my FSA or HSA?
Most FSA and HSA plans cover all standard CPAP replacement supplies, including masks, tubing, filters, and humidifiers.
How do I know if my insurance covers new CPAP parts?
Our team can check your insurance coverage and tell you exactly what’s eligible and when.
What if my equipment still looks fine?
Even if it appears okay, microscopic bacteria and normal wear can reduce performance. Following the replacement schedule ensures proper therapy and cleanliness.
Does Medicare cover CPAP supplies?
Yes. Medicare typically covers replacement supplies at the same intervals listed above. You’ll just need a current prescription and compliance documentation.
How do I reorder through Rotech?
You can reorder online, through your local Rotech location, or by contacting your Rotech representative directly.
Don’t Wait! Sleep Better and Save More Before the Year Ends
A good night’s sleep shouldn’t depend on the calendar, but your benefits do.
Ordering your CPAP supplies now means:
- Better comfort and hygiene
- Consistent therapy results
- Maximized FSA/HSA/insurance savings
Don’t lose your hard-earned benefits. Let Rotech help you restock what you need and start the new year with confidence. The deadline is coming up fast, so get your order in before December 31!
References
Medicare.gov. (n.d.). Continuous Positive Airway Pressure (CPAP) Therapy. www.medicare.gov. Retrieved October 8, 2025, from https://www.medicare.gov/coverage/continuous-positive-airway-pressure-devices