Five ways to cover the cost of a CPAP machine or Supplies
Funding and private insurance options depend on your eligibility and plan. We'll help you check what applies to you and what it leaves you to pay.
CPAP Funding Guidance
We help you check eligibility for available funding programs and understand the application requirements.
Private Insurance Coverage
We call your carrier, confirm what your plan covers, and tell you your portion.
Direct Billing for CPAP
Where your plan allows it, we bill your insurer instead of you paying and waiting.
* If permitted by your health insurance provider. Not all insurance companies allow direct billing.
Financing & Funding for CPAP Masks or Supplies
Contact us to discuss financing and funding programs for masks or supplies, including buy-now, pay-later options. These options do not apply to CPAP machines.
Ontario Disability Support Program (ODSP) & Ontario Works (OW)
Receiving ODSP or Ontario Works? Contact us for help exploring CPAP funding and confirming eligibility with your caseworker.
Funding eligibility support
CPAP Funding Guidance
Funding programs and eligibility requirements vary by location and personal circumstances. We help you explore the options that may apply, understand the required paperwork, and confirm your portion before you buy.
Private plan guidance
Private Insurance Coverage
Coverage varies plan to plan. We call your carrier, confirm what your policy pays toward a machine, mask, and supplies, and give you the out-of-pocket number before you commit to anything.
Less paperwork, more support
Direct Billing for CPAP
We work with providers and programs including Manulife, Sun Life, Canada Life, Green Shield, ODSP, Ontario Works, Blue Cross, iA, Empire Life, ClaimSecure, ADP and Desjardins. Coverage and direct billing depend on your individual plan.
Plus all other private Health Insurance Carriers.
Flexible care conversations
Financing & Funding for CPAP Masks or Supplies
Need CPAP masks or supplies without an upfront payment? Contact us to discuss financing and funding programs. We can arrange buy-now, pay-later financing so you can get your masks or supplies without paying upfront, subject to approval and financing terms. We do not offer in-house payment plans or payment schedules, and these options are not available for CPAP machines.
Ontario income support programs
Ontario Disability Support Program (ODSP) & Ontario Works (OW)
If you receive Ontario Disability Support Program (ODSP) or Ontario Works (OW) benefits, funding may be available for your CPAP machine or supplies, depending on your eligibility and program requirements. Contact us to discuss your situation. We can help you understand the paperwork and work with your caseworker to confirm available funding before you buy.
How our CPAP machine setup works
Call Us with Your Prescription
Tell us what your sleep clinic prescribed and we'll take it from there.
In-Store Setup or Scheduled Home Visit
Visit a clinic for same-day machine setup. Prefer a home visit? We'll schedule a time with you and show you how to use your machine.
Direct Billing Where Allowed
No Mandatory Extra Fees
We can bill select insurers directly when your plan allows it. We'll confirm whether direct billing is available before proceeding.
* If permitted by your health insurance provider. Not all insurance companies allow direct billing.
Clear pricing upfront, with no mandatory add-ons or surprise fees.
Confirm Your Payment Options
We'll confirm what you pay before purchase. If direct billing isn't available, you pay us and submit a claim to your insurer. Reimbursement depends on your plan and eligibility.
Explore Funding Options
We help you check eligibility and confirm your portion before you buy.
Funding Guidance
Recently diagnosed with sleep apnea?
Bring us your prescription, or have your sleep clinic send it over. We'll sort out funding and insurance, fit your mask, set up your machine, and stay available after that.
Which of the 3 main types of CPAP mask fits you best?
Nasal pillows
Two small cushions that seal at the nostrils. The lightest option, and the least in your field of vision.
Nasal masks
A single cushion over the nose. The most common choice, and a middle ground on comfort and stability.
Full-face masks
Covers the nose and mouth. Often the right call if you breathe through your mouth at night or get congested.
Find your CPAP mask
Answer a few questions to explore mask options that suit your preferences.
Why choose CPAP One-Stop
Direct Billing (If Allowed)
Where your plan allows direct billing, we bill your insurer so you pay only your portion upfront. Otherwise, we provide the documents you need to submit your claim.
* If permitted by your health insurance provider. Not all insurance companies allow direct billing.
Free In-Home Setup
Skip the trip to a store. We come to you and set your machine up right the first time.
Dedicated Consultations
We take the time your therapy needs, not just enough to make a sale. You leave knowing how to use your equipment.
Nights & Weekends
Evening and weekend appointments, because sleep apnea doesn't wait for business hours.
Zero Hidden Fees
The price of the machine is the price you pay. No mandatory setup costs or surprise admin fees.
Find your nearest clinic
Find a clinic for CPAP equipment and support.
Enter a Canadian postal code to compare our two closest physical clinics.
Choose a clinic or virtual care
Virtual appointments
Too far from a clinic? We can meet you online.
Get equipment guidance and support from a CPAP clinician, from the comfort of your home.
What our patients say
Shannon is excellent, was very helpful and explained everything.
Excellent experience. Shannon was so knowledgeable and made me feel comfortable. I highly recommend CPAP One-Stop for all of your CPAP needs.
My dad got discharged from the hospital unexpectedly this week for sleep apnea and I called this location and they immediately helped me figure out everything I need... They made a very scary situation more calming and practical. 100% recommended.
Can't say enough about how impressed I was... they got me in immediately and Shannon was absolutely wonderful... I've had my machine for 2 weeks now — best sleep ever. 5 stars all around, highly recommend.
Jordan was terrific and very helpful!
Shannon is excellent, was very helpful and explained everything.
Excellent experience. Shannon was so knowledgeable and made me feel comfortable. I highly recommend CPAP One-Stop for all of your CPAP needs.
My dad got discharged from the hospital unexpectedly this week for sleep apnea and I called this location and they immediately helped me figure out everything I need... They made a very scary situation more calming and practical. 100% recommended.
Can't say enough about how impressed I was... they got me in immediately and Shannon was absolutely wonderful... I've had my machine for 2 weeks now — best sleep ever. 5 stars all around, highly recommend.
Jordan was terrific and very helpful!
Shannon is such a good listener and advisor for my first CPAP machine. I got 3 quotes across the region and all were backlogged — Shannon saw me the next day.
Great place to get supplies; they offer deferred payment which is a great help. Shannon went above and beyond — a perfect example of great customer service.
Absolutely thrilled to finally have my CPAP device! The staff are very thorough and knowledgeable — some are CPAP users themselves. They make sure you're set up for success from Night 1.
Great place. It's my place for all CPAP equipment.
Naomi is a great consultant. Went over all the details of my APAP machine and accessories. Would recommend CPAP One-Stop to anyone needing apnea related services.
Shannon is such a good listener and advisor for my first CPAP machine. I got 3 quotes across the region and all were backlogged — Shannon saw me the next day.
Great place to get supplies; they offer deferred payment which is a great help. Shannon went above and beyond — a perfect example of great customer service.
Absolutely thrilled to finally have my CPAP device! The staff are very thorough and knowledgeable — some are CPAP users themselves. They make sure you're set up for success from Night 1.
Great place. It's my place for all CPAP equipment.
Naomi is a great consultant. Went over all the details of my APAP machine and accessories. Would recommend CPAP One-Stop to anyone needing apnea related services.
Frequently asked questions
Your CPAP machine, heated humidifier, and mask setup may be covered by insurance or funding programs, depending on your plan and eligibility. Premium cleaning supplies, travel batteries, and comfort accessories are usually out of pocket. We check your coverage before you buy anything.
We bill your insurance provider directly, so you pay only your co-pay upfront. If direct billing isn't available for your plan, we'll give you everything you need to submit the claim yourself.
* If permitted by your health insurance provider. Not all insurance companies allow direct billing.
You have 30 days to exchange it. If it's leaking, leaving marks, or just uncomfortable, call us and we'll find one that actually fits, at no extra cost.
We ship fresh masks, cushions, and filters on your insurance-approved schedule, usually a six-month supply at a time. Call us anytime to pause, cancel, or adjust it.
Yes. Lifetime compliance support comes with every machine, including free sleep-data downloads for your doctor and help from our therapists with settings or comfort issues.
Find out what you'll pay
Bring your prescription and your insurance details to a free consultation. We'll tell you what's covered and what you'll pay before you buy anything.