Say no to waiting rooms

And yes to a better way

Insurance is Part of the Problem

Lofta was founded to simplify the process of getting diagnosed and treated for sleep apnea. We’ve found that insurance requirements can unnecessarily complicate an experience that should be simple. Time after time, our clients have discovered that once they take into consideration co-pays, deductibles, stipulations, and requirements, Lofta is a better way to get on the path to better sleep quickly and easily.

1. Time

Time is a valuable commodity and if you have sleep apnea, you’ve suffered long enough. Insurance providers can extend the time it takes to get diagnosed and treated by several months. We think you deserve to get on the path to better sleep now.

2. Cost

While you might assume you’ll save money going through your insurance company to get diagnosed and treated for sleep apnea, this may not be the case. Be sure to check with your provider about the co-pays, deductible, and the cost of diagnosis and treatment devices should you go down the insurance reimbursement path. When you do the math, you may very likely find Lofta is a better bet - especially as we offer 0% financing.

3. Hassle

Adhering to insurance compliance rules and regulations surrounding the diagnosis and sleep apnea can be frustrating and time consuming. And, after jumping through all the necessary hoops, your provider may not even cover the products you need, like travel devices. Lofta thinks getting on the path to better sleep should be hassle-free.

Our clients say it best

"I do not go through my health insurance for CPAP or supplies because the process is slow and limits me to what I can get. This is my second travel CPAP, the AirMini, and it is a fantastic machine...I was attracted to Lofta by a direct link to Affirm and the offer of 12 months, no interest (0% APR) financing. So, I purchased my new machine from Lofta. Service was very quick and I am happy." Gary W.


  • What are flexible spending and health savings accounts?

    Flexible spending accounts (FSA) and health savings accounts (HSA) are programs that allow you to set aside money (before taxes) for specific health care expenses. If you’re unsure whether or not you have a FSA or HSA, please check with your employer or insurance company.

  • What can I purchase with my FSA or HSA?

    Lofta accepts FSA and HSA dollars for all products we sell including services related to the Lofta Complete Path and RX Express. It is your sole responsibility to determine eligibility and obtain approval under your plan. Lofta is not a party to your decision to utilize HSA or FSA dollars for our products and services. As long as your FSA or HSA card is affiliated with a major credit card Lofta will process the payment for you. Check with your carrier to determine FSA and HSA eligibility.

    If you would like to use your FSA or HSA card to pay for a portion of your purchase and apply the remaining balance to a different form of payment, please call us at 800-698-8000. We will be most happy to assist you.

  • What’s the best way to place my FSA or HSA order?

    First, double-check the balance on your FSA/HSA account and eligibility.

    You can place an order online, using your FSA or HSA card as you would any other credit card, or by contacting us at, 800-698-8000.

  • When is the cut-off for placing an order online with FSA dollars?

    If your benefits expire at the end of the year, you have until Sunday, December 31 at 9 p.m. ET to place an order with us using your FSA dollars. Be sure to double-check with your insurance provider for details on your plan.

  • Can I split payment between my FSA or HSA and a different card?

    Yes! If you’d like to use your FSA or HSA card to pay for a portion of your purchase and apply the remaining balance to a different card, please contact us at, 800-698-8000.

  • How do I get a receipt?

    We’ll include an electronic receipt with your shipping confirmation email, and a physical copy with your purchase. If you need additional receipts or assistance please contact us at, 800-698-8000.

  • Can I return an order paid for with my FSA or HSA?

    We have a 30-day, no-questions-asked return or exchange policy for almost everything we sell. However, we recommend checking with your insurance provider before requesting a refund to a FSA card. Unlike HSA, FSA funds must be used during a defined time period. For some insurance plans, your funds will be forfeited if you request a refund.

  • I still have some questions. Help.

    No problem. Chat with us here, email us at, or give us a call at 800-698-8000.