Buy a Refurbished CPAP Machine Without Insurance: Cash-Pay Prices and How to Save

You do not need insurance to buy a CPAP machine — but you do need a prescription. If you are paying out of pocket, a certified refurbished machine is usually the biggest single saving available, because you skip insurance approvals, rental conversions, and DME markups.

What cash-pay actually means

Cash-pay means you pay the seller directly and the seller does not bill your insurance. MyRespCo is a cash-pay provider: it does not bill insurance or Medicare directly, but it provides itemized invoices you can use for HSA/FSA reimbursement or an out-of-network claim, if your plan allows it.

That does not mean "no prescription." CPAP and BiPAP machines are FDA-regulated prescription devices in the U.S., whether insurance is involved or not. CPAP/BiPAP machines require a valid prescription in the US.

How much can refurbished save?

New auto-adjusting CPAP machines commonly list in the $699 to $819 range in market guides found on November 4, 2026, with BiPAP higher. Certified refurbished auto CPAP units were found in the same research starting around $350 to $566, depending on model and included parts.

MyRespCo lists the refurbished AirSense 10 AutoSet with Humidifier at $379.99, subject to current stock and price at checkout. Verify the current product price before ordering, as stock and pricing change.

4 ways to lower the out-of-pocket cost further

  1. Buy refurbished, not marketplace used: You keep a warranty, new consumables, and testing — the three things a cheap person-to-person sale usually lacks.
  2. Check HSA/FSA eligibility: If you have an HSA or FSA, ask for an itemized invoice and confirm eligibility with your plan administrator.
  3. Ask about financing: MyRespCo lists Affirm and Prosper Medical Financing, with the AirSense 10 AutoSet shown as low as $32/month with Affirm. Financing terms depend on approval.
  4. Budget the full first-night cost: Add a mask if one is not included, plus replacement filters and, if needed, heated tubing. A machine-only price is not a complete therapy cost.

What to check before a cash-pay order

  • Valid prescription uploaded or ready to upload
  • Run hours disclosed
  • New filter, tubing, and water chamber included where applicable
  • Written warranty and return window
  • Total price, including shipping and any mask or accessory you still need

The bottom line

If you have a prescription and want to avoid insurance delays, order a certified refurbished unit from a licensed DME seller, keep the itemized invoice, and confirm the warranty and return policy before checkout. See MyRespCo's refurbished ResMed AirSense 10 AutoSet at $379.99.

General information only — this article is not medical advice. Pressure settings and therapy decisions come from your prescriber and sleep study, not from a seller.