You will get reimbursement from Medicare or any private insurance company for an adjustable bed if you are able to meet some conditions. They are classified as medical devices by some companies but companies like Medicare will require a prescription from a doctor or physician stating that it is medically necessary. Even at that, Medicare will only pay for it if you opt for a hospital-grade adjustable bed.
Will an adjustable bed be paid for by private insurance?
Adjustable beds are medically useful. They are highly beneficial to seniors that live alone. They are covered by a lot of private insurers. While they are seen as medical devices by some insurers, others require a prescription from a medical expert confirming that the adjustable bed is medically necessary.
Nonetheless, insurance companies will generally just cover medical-grade hospital beds, not just any adjustable bed. You shouldn’t be concerned about sales tax if a doctor’s prescription is in place.
Insurance companies do not reimburse mattresses because they are not classified as a medical necessity.
How about Medicare?
Hospital-grade adjustable beds are covered by Medicare Part B.
If it is not a hospital bed, it will not be covered by Medicare. Medicare will reimburse up to 80% of the cost of the bed once you are enrolled under the plan.
To receive this coverage:
- Enroll in Medicare Part B
- Get a prescription from a doctor or physician enrolled in Medicare confirming that the adjustable bed is a medical necessity.
- The cost of the bed will only be covered by Medicare if it is purchased from a Medicare supplier.
Useful alternatives for hospital beds that a senior can benefit from
It is not set in stone that you’d get the best value or savings when you go through your insurance. You may also get good deals on adjustable bases from mattress companies who may offer the following:
- Easy financing
- Low prices
- Discounted bundles
Some of them offer a three-month trial period which allows you use the bases before making a decision. If your adjustable bed is gotten through an insurer,
- There would be no base options
- There would be a limit to how you can compare price
- Payment for the bed has to be done upfront, no financing.
- The hospital beds may not be what you desire
You may get quality adjustable bases and deals from the following companies:
- Saatva
- Nectar
- Tempur-Pedic