Can you get long-term care insurance with sleep apnea?

Sleep apnea is common and, when treated, usually not a barrier to long-term care coverage. What matters most to an underwriter is whether it is treated and under control.

Treated vs. untreated

• Treated, compliant obstructive sleep apnea — using CPAP as prescribed — is commonly insurable at standard or near-standard rates.
• Untreated or non-compliant apnea is a bigger concern, because it is linked to heart problems and low blood-oxygen levels over time.
• Central sleep apnea (as opposed to obstructive) is viewed more cautiously, since it is often tied to heart or neurological conditions.
• Combinations. Sleep apnea with significant excess weight or heart disease is underwritten more strictly.

General information only. Underwriting varies by carrier and changes often, and we do not publish carrier-specific approval thresholds. Nothing here is a guarantee of coverage or a quote — only a licensed carrier reviewing your medical history can tell you what you qualify for. This is educational and not insurance, legal, tax, or financial advice.