Medicare Beds: Coverage, Eligibility, and Smart Buying Tips

If you’re dealing with a health issue that makes sleeping difficult, the first thing that pops into your head is probably whether Medicare will chip in for a new bed. The good news? Medicare does cover certain beds, but there are rules you need to know before you start shopping.

What Medicare Actually Covers

Medicare’s Part B covers "durable medical equipment" (DME). A bed counts as DME only if a doctor writes a prescription and says it’s medically necessary. Typical examples are hospital‑type beds, adjustable low‑height beds, and special pressure‑relief mattresses. Some newer models, like Sleep Number beds, can be covered if they meet the same medical‑necessity criteria.

How to Get Your Bed Approved

First, get a written order from your doctor. The order must state why a specific bed is needed – for example, spinal surgery recovery or severe arthritis that makes getting in and out of a regular bed painful. Next, your supplier will submit a claim to Medicare using a DMEPOS (Durable Medical Equipment, Prosthetics, Orthotics, and Supplies) form. Medicare reviews the claim, and if it’s approved, they’ll pay 80% of the allowable amount; you cover the remaining 20%.

Make sure the supplier is a Medicare‑approved vendor. Using an out‑of‑network provider can delay payment or even lead to a denial. Keep copies of all paperwork – doctor’s order, receipts, and claim forms – in case Medicare asks for proof.

When the claim is approved, you’ll receive a bill for the 20% co‑pay. Some people qualify for extra help through Medicaid or state assistance programs, which can lower that out‑of‑pocket cost even more.

Now that the paperwork part is clear, let’s talk about choosing the right bed without blowing your budget.

Start by matching the bed’s features to the doctor’s note. If the prescription calls for “adjustable height,” you don’t need a high‑tech model with built‑in massage. A basic electric lift with a sturdy frame often meets the requirement and costs less.

Check the Medicare “allowable amount” for the type of bed you want. This amount is the maximum Medicare will consider reasonable. Look for vendors who price at or below that figure – you’ll avoid surprise co‑pay spikes.

Don’t forget about accessories. Mattress pads, side rails, and bed alarms can also be covered if they’re listed on the prescription. Adding them later without a new order could mean paying full price.

Finally, read reviews and ask friends if they’ve used a particular supplier. Good customer service can make the claim process smoother and save you time.

Bottom line: Medicare will pay for a bed when a doctor says you need it, you use a Medicare‑approved supplier, and you stay within the allowable cost range. Follow these steps, and you’ll avoid the most common headaches while getting the support you need for a better night’s sleep.