Medicare-Eligible Health Insurance Article

Is adjustable bed coverage included in Medicare?

Medicare can help pay for adjustable beds in your home. To qualify for coverage, you will need to check with your provider and the Durable Medical Equipment (DME) supplier to ensure they are Medicare Providers and accept assignment. If the supplier accepts assignment, you will pay 20% of the Medicare-approved amount, plus the Part B deductible. It is important to note that the bed must be deemed medically necessary and supported by a prescription from your doctor, along with relevant medical records.

Adjustable beds may be covered by Medicare if they are needed due to a disability that requires frequent repositioning, such as pain caused by cardiac disease, spinal cord injuries, or severe arthritis. The prescription from your doctor should specify any additional equipment required, such as special mattresses or bed rails. To learn more read the article from Does Medicare Cover Adjustable Beds?

Once the above conditions are met, Medicare will cover up to 80% of the cost of the adjustable bed, after the Part B deductible has been paid.

In addition to Medicare coverage, Medigap plans can also help fill in some of the gaps that Medicare does not cover. For example, certain Medigap plans, like Plan F, may cover the 20% balance that Medicare doesn’t cover, as well as the Part B deductible. This means that individuals with these specific Medigap plans may not have to pay any out-of-pocket expenses for approved adjustable beds through Medicare. If you need assistance, the team at can provide guidance.

It’s important to keep in mind that coverage for adjustable beds under Medicare Advantage (MA) plans may vary. Since MA plans are not standardized, each carrier determines the extent of coverage they offer. Therefore, it’s advisable to review the details of your specific MA plan to determine the coverage it provides for adjustable beds.

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