You might be able to get more coverage if you have a Medigap or Medicare Advantage plan.
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Medicare pays for all medical equipment, including hospital beds, under Medicare Part B. Part B will pay 80% of the cost of your hospital bed.
Medicare will cover the hospital bed as long its medically necessary to help your condition. Your doctor will need to order the bed and show how it will help your condition.
Your doctor might order a hospital bed for you to use at home for many reasons, such as if youre in severe pain, having trouble breathing, or experiencing swelling in your legs and feet.
When medically necessary, Medicare will cover hospital beds to use at home. Youll need a doctors order stating that your condition requires one. Medicare Part B will pay 80% of the cost. Medigap or Medicare Advantage plans may pay more.
Whether you rent or buy will depend on the type of bed your doctor orders and the policies of the company you use. You might also rent a bed at first, then purchase it if you still need it later on.
Medicare can provide coverage for you to either rent or buy a bed.
Medicare will pay for your hospital bed if:
Hospital beds for home use are considered durable medical equipment (DME). Medicare covers DME under Part B. Your hospital bed will need to meet a few conditions in order to be covered.
You can get coverage for hospital beds through a few different parts of Medicare.
If you use Medicare parts A and B, together called original Medicare, your coverage will be through Medicare Part B. Thats because Medicare Part A covers inpatient stays and care you receive in hospitals and skilled nursing facilities.
Medicare Part B covers your other healthcare needs, including:
Part B will cover 80% of the Medicare-approved amount of your hospital bed. Youll pay the remaining 20%.
You can also get coverage through a Medicare Part C plan. Part C plans, also known as Medicare Advantage plans, are offered by private companies that contract with Medicare.
Theyre required to provide the same coverage as original Medicare. Plus, many Advantage plans go beyond the coverage of original Medicare to offer additional covered services.
So, since original Medicare covers hospital beds, all Advantage plans will also cover hospital beds. Your cost might be more or less than with original Medicare, depending on your plan.
Medicare Part D is prescription drug coverage. It wont help you pay for any DME, including hospital beds.
Medigap, however, can help you pay for a hospital bed. This is Medicare supplement insurance. It covers some of the out-of-pocket costs of using original Medicare, like copayments and coinsurance amounts.
So, if you use Medicare Part B to get a hospital bed, a Medigap plan could cover the 20% coinsurance amount youd normally need to pay.
Medicare classifies hospital beds as durable medical equipment (DME), which is covered by Medicare Part B. Learn about eligiblity and out-of-pocket costs.
Medicare will pay for a hospital bed purchase or rental if it's considered medically necessary and prescribed by a doctor, and provided by a medical equipment provider approved by Medicare.
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.
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Yes, Medicare will pay for hospital beds, if you meet certain conditions. Medicare does cover the cost of renting a hospital bed or purchasing one for home use if:
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
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1-800-995-
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 , the standard Medicare Part B deductible is $240 per year.
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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:
Your doctor can tell you more about how much you'll likely pay for your hospital bed under Medicare.
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.
Or call now to speak with a licensed insurance agent:
1-800-995-
Medicare Part A covers inpatient hospital stays, as well as skilled nursing care, hospice care and limited home health services.
As an inpatient at a hospital, your Medicare Part A coverage includes the following:
Semi-private rooms
Meals
General nursing
Inpatient treatment drugs
Care as part of a qualifying clinical research study
Other hospital services and supplies
Not included are things like private-duty nursing, most private rooms, personal care items and television and services.
Before Medicare Part A will pay its share of a hospital stay, you must first meet your Medicare Part A deductible $1,632 per benefit period (in ).
For lengthy hospitalizations, you may have to pay coinsurance based on the length of your stay (all costs listed are for ):
Days 1-60: $0 coinsurance
Days 61-90: $408 coinsurance per day
Days 91 and beyond: $816 coinsurance per each "lifetime reserve day." You have 60 lifetime reserve days.
Beyond lifetime reserve days: All costs.
Or call now to speak with a licensed insurance agent:
1-800-995-
Medicare Supplement Insurance plan (Medigap) helps pay for out-of-pocket costs associated with a hospital stay.
All Medigap plans offer coverage for the following hospital benefits:
Medicare Part A coinsurance and hospital costs
First three pints of blood if needed for a transfusion
Part A hospice care coinsurance or copayment
Some Medigap plans may also include coverage for:
Coinsurance for skilled nursing facility stay
Medicare Part A deductible
With 10 standardized Medigap plans to choose from in most states, you can find one that meets your needs. Call today to speak with a licensed insurance agent who can help you compare Medigap plans that are available where you live.
Important: Plan F and Plan C are not available to beneficiaries who became eligible for Medicare on or after January 1, .
Or call
1-800-995-to speak with a licensed insurance agent.
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