Sleep · FAQ
Can I finance a sleep test, device, or treatment program?
Short answer
Ask Verra whether financing is available for your specific sleep order. Financing has a minimum order of $100, with terms of 3, 6, 12, 24 months. Review the offered terms before agreeing. Do not assume every test, device, medication order, or membership is eligible, or that financing approval guarantees clinical approval.
Financing may help spread payment over time, but you should confirm whether it is offered for the sleep service you want. Ask about the Home sleep test, Oral appliance therapy, Auto-CPAP program, or Insomnia program specifically. Do not assume that eligibility for one type of purchase applies to every part of your care.
The financing minimum order is $100, with terms of 3, 6, 12, 24 months. Read the actual agreement before accepting it. Check the payment schedule, interest, any fees, and what happens if a payment is late. Do not assume financing is interest-free or that approval is automatic. Ask how refunds or canceled orders affect the financing balance.
Financial approval and clinical approval are separate. A licensed physician in your state decides whether medical treatment is appropriate, and a licensed dentist decides about dental treatment. Medication is charged only after physician approval. Compare the full cost and payment terms with your budget before committing, and keep a copy of the agreement.
Written by the Verra clinical team · Last updated Oct 6, 2026
General information, not medical advice. If you're in crisis, call or text 988.