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Does Medicare Cover Hospital Beds?

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.

Hospital beds at home can be covered by Medicare

Does Medicare Pay for a Hospital Bed?

Medicare does cover a hospital bed rental or purchase 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

Medicare Part B Costs

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 2019, the standard Medicare Part B deductible is $185 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.

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

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