Adjustable beds and Medicare: What to know

16 Dec.,2024

 

Adjustable beds and Medicare: What to know

We may use a few terms in this article that can be helpful to understand when selecting the best insurance plan:

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This article looks at Medicare coverage requirements. It also examines the costs and financial assistance.

For people with certain medical conditions, such as a broken hip or paraplegia, an adjustable bed can mean greater comfort and a lower risk of further injury.

Medicare covers different types of durable medical equipment (DME), which may include an adjustable bed if a person meets the criteria.

In general, doctors do not consider an adjustable bed useful or necessary for a person who is not sick or injured. According to Medicare&#;s definitions, lounge beds &#; whether they use manual or electric power &#; are not DME.

However, there are different types of adjustable beds, and Medicare does not cover them all. For Medicare to consider an adjustable bed as DME, the bed must:

Medicare considers prescribed adjustable beds, including hospital beds , as DME. Therefore, it may cover the cost as long as a doctor certifies that a person needs the bed for home use.

Part B also covers some medical testing and some medications, such as infusions or vaccinations.

Medicare divides its coverage into parts, with each part offering coverage for different aspects of healthcare.

Medicare may cover part of the cost for necessary modifications to a person&#;s adjustable bed, such as having an air-fluidized bed for reducing pressure. Other Medicare-covered adjustments may include :

The bed should also have side rails that an individual can lower or raise.

Medicare will only consider an adjustable bed as DME if it adjusts either from the head or foot, allowing a person to elevate different body parts as necessary.

Examples of conditions for which people may need an adjustable bed include:

In the prescription, the doctor must describe the person&#;s condition and diagnosis to explain why the adjustable bed is medically necessary.

According to the eligibility requirements , the bed is a medical necessity if a person needs:

For someone to be eligible for an adjustable bed that qualifies as DME, their doctor must write a prescription stating that the bed is medically necessary.

Although Medicare helps pay for adjustable beds, a person is usually still responsible for paying a portion of the costs. Various factors can also affect the costs, such as the type of bed and the rental or purchase terms.

Purchase or rental

The person must rent or buy the bed from a supplier that accepts Medicare assignment. This means the supplier agrees to the price Medicare sets for renting or purchasing the equipment.

If someone purchases or rents a bed from a supplier that does not accept Medicare, that supplier may charge more than the Medicare-approved amount, and Medicare will not cover the cost.

If a person rents the bed, Medicare covers the monthly payments, and the supplier covers the cost of repairs. Medicare will cover the rental costs for 13 months of continuous use. After this time, the supplier must transfer ownership to the user.

To find a supplier, a person can use Medicare&#;s online tool or call 1-800-MEDICARE (1-800-633-).

Types of bed

Many different adjustable beds are available, with various options for purchase or rental.

Cost factors will include:

  • the model of the bed, including whether it is electric or manual
  • inclusion of extras, such as mattresses or railings
  • rental versus purchase

Medicare coverage

After a person&#;s doctor certifies that a bed is medically necessary and the person obtains it from a Medicare-approved supplier, they will pay 20% of the Medicare-approved amount.

If a person has not met their Medicare Part B deductible, it will apply to the purchase or rental. For , the Medicare Part B deductible is $257.

Will Medicare Pay for Hospital Beds? - Purchase Or Rental ...

Does Medicare Cover Hospital Beds?

Medicare classifies hospital beds as durable medical equipment (DME), which is covered by Medicare Part B. Learn about eligiblity and out-of-pocket costs.

Medicare will pay for a hospital bed purchase or rental if it's considered medically necessary and prescribed by a doctor, and provided by a medical equipment provider approved by Medicare.

Medicare classifies hospital beds as durable medical equipment (DME), which is covered by Medicare Part B. However, there are some requirements you must meet for Medicare hospital bed coverage.

Additionally, even if Medicare does cover your hospital bed, there are some out-of-pocket costs you'll likely face. Learn more about your coverage.

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-

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Does Medicare Pay for Beds?

Yes, Medicare will pay for hospital beds, if you meet certain conditions. Medicare does cover the cost of renting a hospital bed or purchasing one for home use if:

  • You are enrolled in Medicare Part B
  • The bed is considered medically necessary and prescribed by a doctor
  • The bed is supplied by a medical equipment provider who is approved by Medicare

According to Medicare.gov, "Doctors and suppliers have to meet strict standards to enroll and stay enrolled in Medicare. If your doctors or suppliers aren't enrolled, Medicare won't pay the claims submitted by them."1

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-

How Much Does a Hospital Bed Cost with Medicare?

If your hospital bed rental or purchase is approved for Medicare coverage, you pay 20 percent of the Medicare-approved amount of the hospital bed, and Medicare pays the other 80 percent.

Before Medicare will pay its share, however, you must first meet your Part B deductible. In , the standard Medicare Part B deductible is $240 per year. 

Medicare covers hospital bed rentals and purchases. After 13 months of renting your hospital bed, you will officially own it under current Medicare rules. The specific cost of your hospital bed may depend on factors such as:

  • How much your doctor charges
  • Your location
  • Other insurance you may have

Your doctor can tell you more about how much you'll likely pay for your hospital bed under Medicare.  

Medicare Competitive Bidding Program

Under Medicare's Competitive Bidding Program, DME suppliers submit bids to provide equipment to Medicare recipients living in or visiting competitive bidding areas. If you have Original Medicare and live in or are visiting a state in a competitive bidding area, you must get your DME from a contract supplier.

Refer to Medicare.gov to find out if you live in a competitive bidding area.

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-

Does Medicare Pay for Hospital Stays?

Medicare Part A covers inpatient hospital stays, as well as skilled nursing care, hospice care and limited home health services.

As an inpatient at a hospital, your Medicare Part A coverage includes the following:

  • Semi-private rooms

  • Meals

  • General nursing

  • Inpatient treatment drugs

  • Care as part of a qualifying clinical research study

  • Other hospital services and supplies

Not included are things like private-duty nursing, most private rooms, personal care items and television and services.

How Much Do Hospital Stays Cost With Medicare?

Before Medicare Part A will pay its share of a hospital stay, you must first meet your Medicare Part A deductible &#; $1,632 per benefit period (in ).

For lengthy hospitalizations, you may have to pay coinsurance based on the length of your stay (all costs listed are for ):

  • Days 1-60: $0 coinsurance

  • Days 61-90: $408 coinsurance per day

  • Days 91 and beyond: $816 coinsurance per each "lifetime reserve day." You have 60 lifetime reserve days.

  • Beyond lifetime reserve days: All costs.

Compare Medigap plans in your area.

Find a plan

Or call now to speak with a licensed insurance agent:

1-800-995-

A Medigap Plan Can Help Pay for Your Hospital Stay or Hospital Bed

Medicare Supplement Insurance plan (Medigap) helps pay for out-of-pocket costs associated with a hospital stay.

All Medigap plans offer coverage for the following hospital benefits:

  • Medicare Part A coinsurance and hospital costs         

  • First three pints of blood if needed for a transfusion        

  • Part A hospice care coinsurance or copayment

Some Medigap plans may also include coverage for:

  • Coinsurance for skilled nursing facility stay

  • Medicare Part A deductible           

With 10 standardized Medigap plans to choose from in most states, you can find one that meets your needs. Call today to speak with a licensed insurance agent who can help you compare Medigap plans that are available where you live.

Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, .

Medicare Supplement Insurance can help cover your out-of-pocket hospital bed costs.

Find a plan

Or call

1-800-995-

to speak with a licensed insurance agent.

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