Paying for CPAP equipment does not have to be stressful. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you might already have money set aside that can help you cover the cost of your therapy. Many CPAP masks, machines, and accessories qualify, which means better sleep can be easier on your wallet than you think.
Below is a simple guide to understanding how HSA and FSA benefits work and how to use them when shopping at RespShop.
What Is an HSA?
A Health Savings Account (HSA) is a savings account that lets you use pre tax dollars for qualified medical expenses. You own the account, the funds roll over each year, and you can use them whenever you need to. HSAs are available to people enrolled in a High Deductible Health Plan (HDHP).
Common benefits of an HSA
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You decide when and how to use the funds
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Money rolls over annually
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Contributions may be tax deductible
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Great for long term health planning
What Is an FSA?
A Flexible Spending Account (FSA) also allows you to set aside pre tax money for medical expenses, but it works a little differently. FSAs are owned by your employer and usually need to be used within the plan year. Some plans allow a partial rollover or a short grace period.
Common benefits of an FSA
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Pre tax savings on medical expenses
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Easy to use with a debit style FSA card
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Can lower your taxable income
Are CPAP Products HSA/FSA Eligible?
Yes. Most CPAP essentials qualify as medical expenses because they are used to treat sleep apnea. This means you can apply your HSA or FSA funds at checkout when buying from RespShop.
HSA/FSA eligible products typically include
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CPAP masks
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CPAP and APAP machines
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Tubing
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Humidifiers
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Replacement cushions and headgear
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Filters
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Travel CPAP machines
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Mask parts and maintenance accessories
If you ever need confirmation on a specific item, our team is always happy to help.
How to Use Your HSA or FSA at RespShop
Using your funds is simple. Just follow these three steps:
1. Use your HSA or FSA card at checkout
Just enter it like a regular debit card.
2. Keep documentation if needed
Most purchases are automatically approved, but in some cases your plan might request a receipt or a letter of medical necessity. Your physician or sleep specialist can provide the documentation if required.
3. Ask our team if you need guidance
If you are unsure whether a product qualifies, we can confirm eligibility before you buy.
Why Use HSA/FSA Funds for CPAP Therapy?
Using pre tax funds can lower your out of pocket costs and make your long term sleep therapy more affordable. When you rely on CPAP therapy every night, expenses like replacement cushions, filters, and tubing can add up over the year. HSA and FSA benefits give you a smart way to stay on track with your treatment while saving money.
Key advantages
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Lower overall cost of therapy
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Easier budgeting for replacements
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Ability to invest in higher quality equipment
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Convenient payment process
Final Thoughts
Your HSA or FSA can be a powerful tool in making CPAP therapy more accessible and comfortable. At RespShop, we accept both payment types and can help guide you through eligible products so you can make the most of your benefits.
If you have questions about using HSA or FSA funds when shopping for CPAP equipment, our support team is here to help you every step of the way.
Sleep better. Breathe easier. Save smarter. 😴
