Every insurance company has different policies, but the industry average allows for a new CPAP machine every 5 years. It is important to be aware of your deductibles and co-pays. Insurance rates average $1500 to $2500 for a CPAP machine. Many patients have found that purchasing out of pocket and submitting your own reimbursement claim is a less expensive option. Please refer to our instructional guide for assistance in submitting your claim.