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Understanding Medicare cover is tricky. Although Original Medicare is relatively straightforward, it can be challenging to understand what other parts of Medicare cover (for example, Medicare supplements, Medigap, and Medicare Advantage). Interestingly, if you need a particular type of mattress, Medicare may cover it. In this case, you would only need to pay a small portion of the cost.

Medicare Part B usually covers the purchase of Durable Medical Equipment—which includes beds and mattresses—prescribed by a doctor. However, the particular mattress and bed also needs to qualify for coverage.

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Disposable Medical Supplies and Durable Medical Equipment

Medicare can cover supplies and equipment deemed medically necessary. This can include equipment prescribed for home use, of which there are two types: disposable medical supplies and Durable Medical Equipment (DME). Disposable medical supplies describes equipment that is used to manage a condition. They are then disposed of. In contrast, DMEs describes medical equipment that is sturdy and strong, and can be used repeatedly in the home environment.

Medicare covers the cost of equipment in different ways. If the supplier agrees to the assignment, you pay around 20% of the Medicare-approved amount. Part B deductibles cover the rest.

Take note, Medicare will only provide cover if the DME supplier and your doctor are both enrolled in Medicare. To be eligible for a DME, it has to be prescribed by a medical professional.

Medicare Cover for Mattresses and Beds

There are different mattresses and beds covered by Medicare, including other sleep accessories considered Durable Medical Equipment. However, few mattresses and beds meet the requirements to be covered under Medicare.

Beds and bed-related equipment that is covered includes pressure-reducing beds, pressure-reducing mattresses, and pressure-reducing mattress overlays. Equally, coverage for beds and mattresses depends on the details of your Medicare plan and on your diagnosis and the doctor's prescription. Depending on your health needs, you may need to buy or rent the equipment from a subscriber enrolled with Medicare.

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