Oxygen and Equipment
Oxygen and equipment benefits cover the cost of oxygen tanks, concentrators, and related respiratory equipment for individuals with chronic or temporary breathing difficulties. These devices are considered medically necessary when prescribed by a physician.
Health insurance plans usually reimburse a percentage of eligible costs, up to annual or lifetime limits. Some plans also cover replacement parts or accessories, such as tubing and masks, if listed as eligible expenses.
Example:
If your oxygen concentrator costs $1,200 and the plan covers 80 percent up to $1,000, the insurer reimburses $960 and you pay $240.
What to Watch For:
Pre-authorization and a physician’s prescription are typically required. Always verify frequency limits for replacement or rental equipment.
