Important: This Is Medical, Not Dental
Oral appliance therapy is prescribed by a physician for a medical condition (obstructive sleep apnea). Although the device is made by a dentist, it is classified as durable medical equipment (DME) and billed through your medical insurance. This typically means better coverage than dental insurance would provide.
We Handle Everything
You should never have to navigate insurance paperwork alone. Our team verifies your benefits, obtains pre-authorization, submits claims, and handles appeals if needed. You focus on getting better sleep — we take care of the rest.
Government Insurance Programs
We specialize in Medicare and TRICARE coverage for oral appliance therapy. Read our detailed guides to understand exactly how your plan covers treatment.
Insurance Plans We Accept
We are in-network or accept out-of-network benefits from most major medical insurance carriers. If your plan is not listed below, call us — we may still be able to work with your insurance.
OAT covered under DME benefit
Covers active duty, veterans, and military families
Don't see your carrier? Call (619) 880-8774 — we work with many additional plans not listed here.
How Insurance Coverage Works
Free Insurance Verification
Before any treatment begins, we contact your insurance carrier to verify your benefits. We tell you exactly what is covered, what your out-of-pocket cost will be, and whether pre-authorization is required.
Pre-Authorization
If your plan requires pre-authorization, we handle the entire process. We submit your sleep study results, physician referral, and clinical documentation. Most authorizations are approved within 5-10 business days.
Treatment Begins
Once approved, we schedule your custom fitting. Your insurance is billed directly — we handle all the paperwork. You pay only your copay or coinsurance amount, if any.
Follow-Up Coverage
Follow-up visits, adjustments, and your verification sleep test are typically covered under the same authorization. Replacement appliances are usually covered every 3-5 years.
Treatment Cost Comparison
Understanding the total cost of sleep apnea treatment helps you make an informed decision. Here is how the most common treatments compare.
CPAP Machine
Oral Appliance
Inspire Surgery
What Will I Pay Out of Pocket?
Your out-of-pocket cost depends on your insurance plan, deductible status, and copay structure. Here are the typical ranges:
With Good PPO Coverage
Deductible met, standard copay
With Typical Coverage
Standard coinsurance (80/20) after deductible
Without Insurance
Self-pay. Payment plans available.
HSA & FSA eligible. Oral appliance therapy is an IRS-qualified medical expense. You can use pre-tax dollars from your Health Savings Account or Flexible Spending Account to cover copays, coinsurance, or the full cost — effectively reducing your out-of-pocket by 20-30%.
Why Treatment Pays for Itself
Treating sleep apnea is not just an investment in better sleep — it is an investment in your overall health that often reduces other medical costs over time.
Lower Healthcare Costs
Treated sleep apnea patients use fewer emergency services and have fewer hospitalizations. Studies show treated OSA patients have significantly lower healthcare utilization.
Better Productivity
Quality sleep restores daytime energy, focus, and cognitive performance. Many patients report improved work performance and fewer sick days within weeks of treatment.
Reduced Health Risks
Effective treatment lowers your risk for heart disease, stroke, type 2 diabetes, and other conditions associated with untreated sleep apnea — potentially reducing future medical expenses.
No Recurring Supply Costs
Unlike CPAP, which requires $300-500/year in replacement masks, filters, and tubing, oral appliances have no ongoing supply costs. Adjustments are typically included.
Free Insurance Verification
Call or text us and we will verify your coverage in 24-48 hours. No obligation, no cost. We will tell you exactly what your plan covers before any treatment begins.