If you are wondering, “Is Lofta covered by insurance?” the direct answer is no. Lofta operates as a cash-only provider for sleep apnea testing and CPAP equipment, bypassing traditional insurance billing to streamline care. However, their services and products may still be affordable using FSA/HSA funds or payment plans. Let’s dive into why insurance coverage is limited, how Lofta’s model works, and what options exist for cost-conscious patients.
Contents Skip Ahead
What Is Lofta? Simplifying Sleep Apnea Care
Lofta is a direct-to-consumer platform specializing in at-home sleep apnea diagnosis and treatment. Founded to simplify the traditionally complex process of managing sleep disorders, Lofta offers:
- At-home sleep tests (WatchPAT One or SleepImage Ring).
- CPAP machines, including travel-friendly models like the ResMed AirMini.
- Personalized support from sleep coaches and respiratory therapists.
Unlike traditional providers, Lofta avoids insurance networks entirely. Instead, they prioritize speed and convenience- delivering results in days, not weeks.
Why Isn’t Lofta Covered by Insurance?
Insurance companies rarely cover Lofta’s services for three key reasons:
1. Lofta Operates Outside Insurance Networks
Lofta is not enrolled as a Medicare/Medicaid supplier and does not bill private insurers directly. This cash-only model allows them to sidestep lengthy approval processes but means patients must pay upfront and seek reimbursement independently- a gamble, as most insurers deny claims for out-of-network providers.
Real-Life Example: A Trustpilot reviewer shared that Lofta reps initially suggested insurance might cover their test, but their claim was denied due to Lofta’s out-of-network status.
2. Travel CPAPs Are Often Deemed “Non-Essential”
Portable CPAPs like the AirMini, while convenient, are rarely covered by insurers. They are classified as “luxury” items rather than medically necessary equipment. For example, UnitedHealthcare’s policy excludes “duplicate devices” if a patient already owns a standard CPAP.
3. Home Sleep Tests Face Coverage Hurdles
While Lofta’s $189 home test is cheaper than lab studies, insurers often require a physician’s referral and proof of medical necessity. Many plans also favor in-lab polysomnography for severe cases.
How to Afford Lofta Without Insurance
Though insurance won’t cover Lofta, these strategies can reduce costs:
1. Use FSA/HSA Funds
Lofta accepts FSA/HSA cards for eligible expenses, including CPAPs, masks, and home tests. A 2025 partnership with Health-E Commerce expanded access to FSA Store and HSA Store, making devices tax-free.
Pro Tip: Always request an itemized invoice from Lofta’s portal to simplify reimbursement.
2. Explore Payment Plans
Lofta offers 0% financing through Affirm, splitting costs into manageable monthly payments.
3. Compare Cash Prices to Insurance Routes
One Reddit user noted that after deductibles and co-pays, their insurer’s CPAP would have cost $1,200- versus $800 cash at Lofta.
When to Consider Lofta Over Traditional Care
Lofta shines for patients who value:
- Speed: Diagnosis in 7 days vs. months-long lab waitlists.
- Convenience: Avoid overnight lab stays and insurance paperwork.
- Transparency: Upfront pricing with no hidden fees.
Expert Insight: Dr. Sarah Miller, a sleep specialist, notes, “For mild to moderate apnea, home tests are reliable. But severe cases still require in-lab studies for accurate titration.”.
Alternatives If You Need Insurance Coverage
If insurance coverage is non-negotiable:
- Request a Prescription: Use Lofta’s diagnosis to buy an insurance-approved CPAP elsewhere.
- Choose In-Network Labs: Opt for a sleep clinic that bills your insurer directly.
- Check Employer Programs: Some companies, like PMTA’s trucking partners, subsidize Lofta’s services.
See Also: Right Insurance Lumolog: Future-Proof Coverage & Expert Insights
Conclusion: Is Lofta Covered by Insurance?
While Lofta isn’t covered by insurance, its affordability and efficiency make it a strong choice for many. By leveraging FSA/HSA funds and payment plans, patients can access quality care without insurer roadblocks. Always verify your plan’s rules and weigh the trade-offs between cost and convenience.