The level of comfort one can derive from a hospital bed is immense. It makes it easier for you or your loved one to receive care. It also makes it easier for caregivers to administer care.
Hospital beds make so much difference in comfort and quality of care. Surprisingly, so many people are oblivious of the fact that a lot of insurance companies cover the cost of renting a hospital bed as long as it is confirmed to be a medical necessity. In this article, we will be explaining all you need to know about hospital bed rentals and health insurance.
Health Insurances and Rental Equipment
Most insurers cover the cost of renting a home medical equipment or durable medical equipment. Durable Medical Equipment is any medical equipment that helps with correction or alleviation of a medical condition. Hospital beds can be rented by people who do not need one for a long time. With a hospital bed, the position of the patient can be adjusted and other accessories and aids can be used with it. If you need to rent a hospital bed for use at home, confirm from your insurer that durable medical equipment or home medical equipment is covered. You could also call your insurance provider to find out about other available options and how you can apply for rental coverage.
How to claim a rental through insurance
The guidelines for claiming rental through insurance for most companies are strict. Therefore, you have to be familiar with the specific requirements of your insurance provider before you commence the process. No insurer will pay for all or part of your hospital bed rental if it hasn’t been prescribed by a physician or doctor. The physician must prescribe it for use in your home. The doctors order has to be shown to the insurance provider. Most insurers require that your qualifying diagnosis be outlined and well explained in the order.
By diagnosis, we mean the medical condition that has made it necessary for you to request the durable medical equipment. Some insurance companies will also demand to see your medical chart.
To be clear, the fact that your doctor deems a hospital bed necessary doesn’t automatically mean the insurance provider will agree with this assessment. Some insurance companies have tough guidelines surrounding hospital bed rentals. They may require proof that your ailment or sickness needs a position that cannot be attained on a standard bed. The cost of renting a fully electric hospital bed may not be covered by an insurance provider.