If you pay directly, a home sleep apnea test currently lists at $180 to $189 from the three sellers below, and each of those prices includes a physician's reading. If you go through Medicare instead, the test is billed under one of four codes, and after the Part B deductible you pay 20% of the approved amount, which averages $13 to $26 nationally.
Those are two different routes, not two estimates of the same number. The rest of this page sets out what each one covers and what moves the figure.
What a home test costs if you pay directly
| Seller and device | Listed price | What the price covers | Prescription |
|---|---|---|---|
| CPAPsupplies.com Home Sleep Test (Wesper patch, fulfilled by restASSURED) | $180 (regular price $250) | Wesper patch kit with free shipping, phone app recording, and a scored report | A CPAP prescription from a sleep specialist is issued after the diagnosis is finalized |
| Lofta Home Sleep Apnea Test (WatchPAT One) | $189 (regular price $249) | Telehealth screening visit, the test device with shipping, and a sleep physician's interpretation | Included if you are diagnosed. A telehealth visit has to approve the test before it ships |
| Sleep Doctor At-Home Sleep Apnea Test (WatchPAT One) | $189 (the page also advertises "as low as $0 with insurance") | Disposable home sleep study device, a telemedicine consultation, the AHI result, and a follow-up review | Included with the purchase, or you can bring your own |
All three of these prices are for a single night of recording. Two of them were sale prices on the day they were checked, so read the regular price in the same cell as the number that will still be there later.
What changes the price
Four things move the figure more than the sticker does.
The reading is either included or it is not. A recording with no physician interpretation is not a diagnosis, and it will not produce a prescription. Every price in the table above includes the reading, but that is a property of these particular sellers rather than of home tests in general.
The device type changes the billing code. A patch or a finger-worn sensor that estimates sleep time is billed differently from a belt-and-cannula recorder. That matters if a payer is involved, because the approved amounts differ by roughly a factor of two.
Insurance can make the direct route the more expensive one. Sleep Doctor's page advertises as low as $0 for insured patients. If you have coverage, checking it first is worth more than comparing the three cash prices.
A repeat night is a second charge. If the first recording does not produce enough usable data, the test is normally repeated, and the direct-pay sellers charge for that separately.
The same test billed through Medicare
| Billing code and test | Average charge billed | Average Medicare-approved amount | Your 20% share | Services in the year |
|---|---|---|---|---|
| G0399 — home sleep test, type III monitor, at least 4 channels | $466.71 | $69.02 (national average) | $13.80 | 69,421 |
| G0398 — home sleep test, type II monitor, at least 7 channels | $486.89 | $129.84 (national average) | $25.97 | 6,589 |
| 95800 — unattended study measuring heart rate, breathing and sleep time | $469.30 | $125.24 (national average) | $25.05 | 158,414 |
| 95806 — unattended study measuring heart rate, breathing, airflow and effort | $387.43 | $63.62 (national average) | $12.72 | 54,312 |
The gap between the charge and the approved amount is the part that surprises people. For code 95800 the average charge billed was $469.30 and the average approved amount was $125.24. The approved amount is what the payment is calculated from, not the charge.
The services column is there for a reason. Code 95800 was used 158,414 times in the year and G0398 only 6,589 times, so the codes at the top of the table describe what most people actually get.
The two rules that decide your share
| Rule | Amount | What it means for a home test |
|---|---|---|
| Medicare Part B annual deductible, 2026 | $283 (per year, not per test) | You pay the approved amount in full until the deductible is met for the year. The 20% share applies after that |
| What you pay after the deductible | 20% of the Medicare-approved amount (type I studies are covered only in a sleep lab facility) | A doctor or other health care provider has to order the test. Types II, III and IV can be done at home |
The deductible is annual, not per test. If you have already met it this year for something else, the 20% share applies from the first dollar of the sleep test.
How the process runs
- A doctor or other health care provider orders the test. Medicare states this explicitly, and the direct-pay sellers meet it with a short telehealth visit of their own
- The kit arrives by mail. You sleep one night with the sensors in place
- The recording is uploaded or the kit is returned
- A sleep physician reads the recording and reports an AHI, which is the number of breathing events per hour of sleep
- If the result supports it, a prescription follows, and the cost question moves to equipment
When to talk to someone before comparing prices
Some situations are worth a phone call today rather than a price comparison.
- You have come close to falling asleep while driving or operating machinery
- Someone who sleeps near you has seen your breathing stop
- You wake with a headache or a choking sensation most mornings
- You are being treated for high blood pressure or a heart condition and you also snore heavily
A home test looks at breathing during sleep. It is not designed to find insomnia, restless legs, or narcolepsy, and a normal result does not rule those out.
This page organises published prices and public payment data. It is general information, not medical advice. Whether you need a sleep test, and which one, is a decision for the clinician who examines you.
If you want the next number
The overnight in-lab study is the other half of this comparison, and it is priced very differently. What a sleep study costs without insurance sets out two clinics' published rates for it. If a test has already found sleep apnea, what a CPAP machine costs covers the equipment side.
Where these numbers come from
Prices were read from each seller's own page on the date shown. Medicare figures are national averages from the CMS public use file for calendar year 2024, and your own locality's approved amount will differ.
- CPAPsupplies.com — Home Sleep Test (product page) (verified 2026-08-13)
- Lofta — At Home Sleep Study / Home Sleep Apnea Test (product page) (verified 2026-08-13)
- Sleep Doctor — At-Home Sleep Apnea Test (product page) (verified 2026-08-13)
- CMS — Medicare Physician & Other Practitioners, by Geography and Service (CY2024) (verified 2026-08-13)
- CMS — 2026 Medicare Parts A & B Premiums and Deductibles (verified 2026-08-13)
- Medicare.gov — Sleep studies coverage (verified 2026-08-13)