Long-Term Care Insurance and CPAP Use

by | Apr 29, 2019 | Health Conditions

Long-term care insurance and CPAP use may not seem like they go together. Shopping for a long-term care insurance policy may seem confusing especially if you use a CPAP. Getting long-term care insurance with CPAP use is possible if you work with a long-term care insurance specialist that will help you shop for a policy.

Can I qualify for long-term care insurance if I have sleep apnea with CPAP use?

If you have sleep apnea with CPAP use you can probably qualify for long-term care coverage. Every insurance company has different criteria to determine who they can insure. It’s important to work with an experienced, independent agent who is familiar with the four main types of long-term care coverage. An independent, long-term care specialist can recommend the perfect policy for you based upon your health history.

Which type of long-term care policy should I buy if I have sleep apnea with CPAP use?

There are four main types of long-term care coverage: traditional long-term care insurance, long-term care partnership programs, life insurance with long-term care riders, and annuities with long-term care riders. The best type of policy for people with CPAP use is usually a traditional long-term care policy or a long-term care partnership program. However, everyone’s situation is unique. Click here to try our proprietary “Policy Finder” tool (no phone required). It will give you an instant ranking of the four types of policies based upon your answers to a few short questions.

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Will I pay more for long-term care insurance if I have sleep apnea with CPAP use?

Every long-term care insurance company is different. Some long-term care insurers may charge applicants 10% more for CPAP use. Other insurers may charge applicants 50% more for CPAP use. That’s why it’s important to work with an long-term care insurance professional who can help you shop around and compare several different policies. 

If I have CPAP use will I have to take a physical in order to qualify for long-term care insurance?

Some long-term care insurers do not require a physical if you have CPAP use. Most long-term care insurance companies will review your medical records in order to determine if they can insure you. Ask your long-term care insurance specialist what underwriting criteria each company will use before deciding which long-term care insurance policy is best for you.

Can I qualify for long-term care insurance if I’ve already applied for and been denied coverage due to CPAP use?

Long-term care insurance specialists have less than 20% of their applicants declined. Insurance “generalists” have about 50% of their long-term care insurance applications declined. With over 25 years of experience, we can pinpoint exactly which company (and which type of policy) you’ll be able to qualify for. We have about an 80% success rate in helping our clients get approved even if they were previously declined.

If you have sleep apnea with CPAP use, a long-term care insurance specialist will ask you the following questions to determine if you can qualify for a long-term care insurance policy and calculate your premium:

When were you first diagnosed with sleep apnea and how long have you used a CPAP?

Is your sleep apnea considered mild, moderate or severe?

Request a 15-minute phone call from an LTCi specialist. No obligation.

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