Are Adjustable Beds Covered by Medicare?

An adjustable bed can be classified as durable medical equipment (DME). As such, the cost of an adjustable bed could be covered by Medicare provided a physician deems the device necessary.

Adjustable beds can alleviate the symptoms of some medical conditions, including snoring, sleep apnea and insomnia, which make them ideal for the treatment of chronic conditions. Adjustable beds also make it possible to get a good night’s sleep, which promotes the healing process.

Medicare Part B covers part of the cost of durable medical equipment (DME), including hospital beds, provided a physician deems the equipment medically necessary. Part B can pay for the cost of a hospital bed rental or the cost if you need to purchase the bed. Both the prescribing physician and the bed supplier must be enrolled in Medicare.

There are restrictions on coverage for DMEs. Typically, Medicare will pay for 80% of the cost so individuals must cover 20% of the cost of the adjustable bed out of pocket, plus the deductible amount.

Medicare Advantage is often referred to as Medicare Part C. Unlike regular Medicare that’s offered through the government, MA plans are provided by private insurance companies. Each agency determines the coverage amounts, so MA may provide greater coverage limits than traditional Medicare.

The agency that covers your MA plan also provides coverage for Medicare Part A (hospital insurance) and Medicare Part B (medical insurance). You must carry Part A and Part B to be eligible for a MA plan. Because each insurance company charges different premiums and costs for service, it’s important to shop around and find the best deal to suit your health care needs before you join.Medicare is a popular option for paying for necessary medical supplies and equipment. The fastest and easiest way to enroll in Medicare is through the Social Security office when you apply for benefits. You can apply online at Medicare.gov or by calling (800) 772-1213.

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