Medicare Adjustable Beds: What Seniors Need to Know About Coverage

When you or a loved one needs an adjustable bed, a hospital-style bed that lets you raise or lower the head and feet for comfort and medical support. Also known as electric bed or power bed, it’s not just a luxury—it can be a medical necessity for people with back pain, sleep apnea, or limited mobility. Many seniors assume these beds are too expensive to afford, but Medicare adjustable beds might be covered under Part B if they’re prescribed as durable medical equipment (DME). It’s not automatic, though. You need a doctor’s order, a face-to-face evaluation, and proof that the bed helps with a medical condition like chronic pain, respiratory issues, or pressure sores.

Medicare doesn’t cover the whole bed unless it meets strict DME rules. The frame and motor count, but the mattress? That’s usually not included unless it’s part of a specialized system, like a pressure-relieving mattress for someone with ulcers. You’ll also need to buy from a Medicare-approved supplier. If you’re on a Medicare Advantage, a private insurance plan that replaces Original Medicare and sometimes adds extra benefits like home equipment coverage, check your plan’s details—some offer broader DME coverage than traditional Medicare. And don’t confuse this with Medicare Part B, the part of Medicare that covers outpatient services and durable medical equipment. That’s the key piece you need to tap into for bed coverage.

People often think a donut cushion or a regular recliner is enough for sciatica or back pain, but those don’t offer the same level of support. Adjustable beds let you find the perfect angle to reduce nerve pressure, improve breathing, or ease swelling. That’s why doctors recommend them for conditions like GERD, COPD, or post-surgery recovery. If you’re paying out of pocket for one, you’re likely spending $1,000 to $3,000. Medicare can cover up to 80% of the approved amount after you meet your Part B deductible—if you jump through the right hoops.

What’s in this collection? You’ll find clear guides on how to qualify, what paperwork to bring to your doctor, how to pick a Medicare-approved supplier, and why some claims get denied. There’s also info on alternatives like chairlifts and why they’re treated differently under social security. You’ll see real examples of what’s covered and what’s not, so you don’t waste time chasing false hopes. No jargon. No guesswork. Just what actually works when you’re trying to get help for a bed that changes your life.