Insurance / Extended Health Reimbursement


You may have extended health care benefits through your employer-sponsored plans, individual policies, or group associations. These plans commonly provide reimbursement for medically necessary equipment and supplies when supported by appropriate documentation.

Medical equipment requires a prescription. 

Alpine Healthcare can assist you with this process! Contact us at prescription@alpinehealthcare.ca

How Coverage Typically Works

Extended health care plans often cover:

  • Oxygen concentrators and portable oxygen systems

  • CPAP and BiPAP machines

  • Respiratory supplies and accessories

  • Durable medical equipment

Coverage generally requires:

  1. A valid prescription from a licensed physician or authorized prescriber

  2. An itemized receipt from a recognized medical equipment provider

  3. Product details including model, serial number (if applicable), and medical necessity

Reimbursement is typically paid directly to the patient after submission of required documentation.

Common Extended Health Care Providers in Canada

The following insurers commonly provide extended health benefits that may include coverage for medical devices and supplies:

  • Manulife

  • Sun Life Financial

  • Canada Life

  • Green Shield Canada

  • Desjardins Insurance

  • Blue Cross (provincial plans vary)

  • Industrial Alliance Insurance

  • Equitable Life of Canada

  • Empire Life

Individual plan coverage details vary depending on employer group contracts and policy terms.

Direct Billing may be available on your plan.  Contact us for assistance with this process prior to purchasing.  We may be able to direct bill your plan for you.

CPAP Coverage

For a new or replacement CPAP or BIPAP, most insurances require a Sleep Study with a diagnosis of an AHI of 15 or greater ( moderate apnea ) along with a physicians prescription and appropriate claim forms completed.

If you have a sleep study already completed, contact us for any assistance with using your insurance for coverage.

Oxygen Therapy Coverage

Most insurances cover medical oxygen equipment with a physicians orders, including diagnosis.  If you need assistance or have questions, please ask us how we can help.

Coverage Levels

Many extended health care plans typically cover a % of the cost of medical equipment when:

  • The device is deemed medically necessary

  • A valid prescription is provided

  • The purchase is made through a qualified medical equipment supplier

  • Proper documentation is submitted

If you have questions to determine if you have coverage or to determine if you are eligible, please contact your insurer to confirm % and details on your plan.

If you have any questions, please email us at prescription@alpinehealthcare.ca

We would be happy to assist with any additional questions or enquiries.