What Diagnosis Qualifies For A Hospital Bed?
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In order for their hospital bed to qualify for insurance coverage in the United States or Canada, patients must have a diagnosis from a doctor
.The diagnosis can differ; the only
requirement
Caregivers and relatives can use the information gathered to make sure the patient has everything they need when they come home
.You might be able to get more coverage if you have a Medigap or Medicare Advantage plan.
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 it&#;s 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 you&#;re 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. You&#;ll need a doctor&#;s 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.
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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. That&#;s 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. You&#;ll 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.
They&#;re 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 won&#;t 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 you&#;d normally need to pay.
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