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Can I get Health Insurance for Sleep Apnea? Research Team | Posted On Wednesday, August 14,2019, 04:51 PM

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Can I get Health Insurance for Sleep Apnea?



Can I get health insurance for sleep apnea?

What is sleep apnea?

This is a serious sleep disorder which arises when your breathing is interrupted during sleep. The common symptoms of sleep apnea are loud snoring, headache, difficulty falling asleep, hypersomnia and irritability.

Sleep apnea is of three types: 1) obstructive sleep apnea which occurs when throat muscles relax, 2) central sleep apnea which takes place when the brain does not send the appropriate signals and 3) complex sleep apnea syndrome that occurs as an aftermath of both obstructive sleep apnea and central sleep apnea.

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Causes and side effects of sleep apnea:

Obstructive central sleep apnea is caused by excessive smoking, nasal congestion, obesity and other factors. On the other hand, central sleep apnea is caused by pre-existing conditions like stroke, heart diseases and so on.

The disease has to be treated as early as possible to avoid side effects like high BP, diabetes, headaches, heart diseases, stroke, asthma, obesity, and acid reflux.

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Can I get health insurance for sleep apnea?

Need for health insurance

Sleep apnea is a treatable disease. Doctors might suggest only lifestyle changes to people with normal sleep apnea. But, people with moderate or severe sleep apnea are advised medical treatment and therapy and must undergo surgeries. Treating severe sleep apnea is costly in big cities like Mumbai and Chennai. If you do not have health insurance, sleep apnea can ruin your savings and lead to the debt trap.

Is sleep apnea a pre-existing disease for health insurance companies?

Yes, it is. Be completely honest and open on the medical condition, before availing health insurance. This goes without saying for every pre-existing illness. Insurers expect people to furnish the date of diagnosis, the medical prescription and treatment details. Any pre-existing condition is covered after a certain waiting period.

As far as sleep apnea is concerned, the waiting period varies across insurers. It also depends on the seriousness of the disease. It is better to disclose sleep apnea at the time of availing a health insurance policy. Non-disclosure may lead to rejection of claim in health insurance plan.

Not all insurance companies cover sleep apnea

It is good to have a health insurance policy, if you are suffering from sleep apnea. But, not all insurance companies cover this disease. Spend some time online and look for health insurance policies which cover sleep apnea. Take the help of a financial advisor to lock-on to the best health insurance plans. The premiums on these health insurance plans may be slightly high.

What if I don’t get a policy?

If you do not get a health insurance policy, don’t be worried. You can bring the disease under control by following tips suggested by healthcare specialists. Lose weight if you are obese by maintaining a healthy diet. Regular exercises help with sleep apnea. Follow the slip position prescribed by the doctors. If possible, quit smoking and reduce alcohol intake.

See Also: Can I Use Health Insurance Immediately?

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