Insurance Compliance Self-Check
An estimate from your imported data. Your DME supplier's read of your machine is the official record your insurer uses.
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Why this page exists
If your CPAP machine is covered by Medicare, you have an insurance compliance window: 4 or more hours of usage on at least 21 of any 30 consecutive nights, anywhere inside the first 90 days. Miss it and the rental coverage stops, the machine goes back, and a new sleep study may be required to re-establish coverage. Many private insurers use the same framework or a stricter variant.
The number that matters lives on your CPAP machine's SD card, not in the cloud. Your DME supplier reads the same card and reports their read to your insurer; that read is the official record. This page reads your imported nights and shows you what your DME will see. It is for self- monitoring, not for replacing the official report.
What it computes: days remaining in your 90-day window, your current 30-day window status, the best 30-consecutive- night window in your data so far, and a pace projection ("if you keep this average, you pass on date X"). All of this is calculated in your browser from the SD card data you imported through the dashboard. None of it leaves your computer. There is no account, no cloud sync, no supplier-side reporting.
What this isn't
- This is not your insurance company's record. Your DME supplier reads the same data from your machine and reports that read to your insurer.
- Private insurers vary. Many follow Medicare's 70%/4-hour rule, but some use 50% / 60-day windows, and some have no compliance requirement at all.
- The numbers here are an estimate based on what you've imported. If a night is missing from your import, it won't show here even if your DME has it on file.
Read the full guide: how to use this tracker →
Read the rule: Medicare CPAP compliance →
Frequently asked questions
Is this the same number my DME supplier reports to my insurance?
No. CPAP Clarity reads the SD card you imported; your DME supplier reads the machine itself (often via cellular modem or in-person card pull) and reports their read to your insurer. The two reads should match if you imported the same nights, but the DME's read is what your insurer uses. Treat this page as a self-monitoring estimate, not an official compliance record. If your DME's number does not match what you see here, ask them which date range they pulled and whether any nights are missing on their side.
Does this calculator follow Medicare's exact rule?
Yes for the headline numbers: 4 or more hours of usage on at least 21 of any 30 consecutive nights, anywhere inside the first 90 days from your therapy start date. CPAP Clarity computes the threshold automatically once you import nights with date stamps. The 90-day window starts from the earliest CPAP night in your imported data; if your actual therapy start date is different (machine was prescribed before you began using it), the window is off by that offset. The Medicare rule itself is documented in the Medicare CPAP compliance article linked at the bottom of the page.
What if I missed several nights last month?
Medicare's rule allows up to 9 missed-or-short nights inside any 30-day window (since 21 of 30 is 70 percent). The compliance tracker computes a running tally; a stretch of low-usage nights pulls the percentage down but does not disqualify you as long as your best 30-consecutive-night window inside the 90 days hits 21. Marking a night off-CPAP through the manual nights workflow lowers the numerator (it is not a compliant night) but does not change the 30-day denominator that Medicare uses. If a night is simply missing from your import (forgot to copy the SD card), it shows up as a gap; importing later fills it in.
Does this work with private insurance, not just Medicare?
The Medicare 70%/4-hour framework is the most common, but private insurers vary considerably. Some plans mirror Medicare exactly. Others require a higher percentage (75 to 80 percent) or define a compliant night as 6 or more hours rather than 4. Some have shorter compliance windows (45 days instead of 90). Read your plan documents or call member services to confirm the specific thresholds your plan uses. The estimator on this page is keyed to the Medicare rule; you can use it as a directional check for any insurer that uses similar thresholds, but the exact pass/fail call comes from your plan.
Why does my best 30-day window differ from my current 30-day window?
The current window is fixed: it ends on your most recent imported night and looks back 30 calendar days. The best window is the highest-scoring 30-consecutive-night window anywhere inside your imported data. Insurers typically pass you on the best window inside the first 90 days, not the most recent. Both numbers are useful: the best window tells you whether you have already cleared the bar, the current window tells you whether you are still on track this week.