Is It Possible for Insurance To Cover Your Sleep Study?

Is It Possible for Insurance To Cover Your Sleep Study?

Today many people stick to the problem of sleep apnea. Naturally, it is vital to find the reason and study the symptoms. The proper treatment with sleep study insurance can save a life. Well, sit comfortably on your Sealy cozy dreams extra firm mattress and read this article to the end!

What Should I Do If I Can’t Sleep At Night?

Sleep disorder is one of the most recognized medical conditions. If you feel fatigue, sleepiness, lack of energy and so on during the day, then you should be more attentive to your sleep at night. Almost everyone who has these symptoms say that they experience troubles. It is difficult to stay awake at day, and sleep at night. In its turn, sleep quality has an influence on general health and well-being. That is why many decide to ask the doctor for advice. Depend on your symptoms he will help you to deal with it. The doctor may prescribe you some pills or a sleep study to find the problem.

What Does Sleep Study Entail?

Once you find a clinic that may provide you with the necessary research, then you should deal with plenty of paperwork. After that, depending on the type of disorder you have, symptoms and health history the researcher will decide which sleep study is the best for you. And keep in mind, as the health history, the sleep study insurance requirements are also important according to the determination of the type of it.

There are four types of study. They are polysomnogram (PSG), multiple sleep latency tests (MSLT), maintenance of wakefulness test (MWT), and the last is the home sleep test.

1. PSG

According to this study, you need to be hooked to a wide assortment of equipment. All of them will record a variety of information such as brain activity, heart rate, body pressure, and even your eye movements. It is known as the study for a number of sleep disorders. So, if you suffer from obstructive sleep apnea, circadian rhythm disorder, sleep-related movement disorders, parasomnias, insomnia or hypersomnia, then the PSG is just for you

2. MSLT

MSLT type of sleep study is performed during the day. The aim of it is to research how sleepy you get a day long. In general, it works as PSG and records whether you fall asleep or not during the test. If the result is positive, then it studies the stages of sleep you enter. In general, you are given only five 20-minute opportunities to sleep. They are spaced 2 hours apart to monitor the activity of your brain.

3. MWT

It is a daytime sleep study. It deals with your alertness during the day. As a rule, it is performed after a PSG to determine whether your insomnia is a health concern. Most of the employees require this test from the people they hire. This is a requirement for professions that involve all kinds of transportation.

4. Home sleep test

Those people who have no comorbid health conditions may qualify for a home sleep test. All you need to do is to go to the clinic, receive a sleep study device, and get the instructions from your doctor. It may be a small nasal cannula, two belts, and finger clip. All of them tend to measure the airflow, breathing effort, breathing diagram effort, and blood oxygen saturation.

But remember, you should know exactly are sleep studies covered by insurance or not. If you are not sure does insurance cover sleep study, then you need to ask your insurance agent first.

Does Your Insurance Cover Sleep Study?

The answer is naturally YES. There are many health insurance companies. What is more, almost every clinic in the United States offers a service of sleep study covered by insurance. They offer a big variety of sleep insurance plans. Some of them will cover more services while others are less.

However, you should be attentive as some sleep study insurance plans have different rules. For example, some of them will require you to have a home sleep test before cover an in-lab one.

Well, it is important for you to get a pre-authorization. It will ensure that all the procedures are covered by your insurance policy. Or, if there are some additional copayments, you will have an opportunity to make adjustments to the plan.

If you do not know this, then you need to contact the health insurance provider first. He will help you to figure out what the insurance company will cover. As a result, you won’t risk by dealing with the sleep study no insurance included. Besides, if there is something wrong with your insurance coverage, then you will have to cover the expenses with your own money. What’s covered by livestock insurance you can read here.

What Should You Ask Your Health Insurance Provider?

Naturally, you need to learn as much about your policy as you can. Means, knowing all the details will provide you with a better opportunity to use a wide range of their services. Well, here are top questions you need to ask the representer of the insurance company first. They are:

• Does my insurance cover sleep study?

• What kind of insurance I have?

• Is it ok for my insurance coverage to test in the clinic I choose?

• Do I need to go to the center the insurance company advice to get the coverage?

• How many percents of the charges for my sleep study will be covered?

• Do I have any coinsurance, deductibles, and out-of-pocket expenses that apply to the sleep study testing?

• Are there any co-insurances or co-pays that I need to pay for?

• What do I need to get a predetermination request for a sleep study?

• Do I have any services that are not covered by health insurance?

• Is it necessary for me to get pre-authorization before testing my sleep?

• Do I need co-morbidities and past medical history to get the full coverage?

• What kind of insurance verifications does your company have?

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