APAP is often covered by insurance if you have been diagnosed with obstructive sleep apnea. However, you should always check with your insurance provider directly for specific information about coverage and out-of-pocket costs. In addition, your insurance carrier may make you demonstrate that you need APAP treatment and may require information from your doctor showing that you are benefitting from an APAP device. Your insurance provider may also ask to review data from the APAP device that proves you are using it as directed.