Medicare Adjustable Bed Coverage: What Seniors Really Need to Know

When it comes to Medicare adjustable bed coverage, the part of Medicare that may pay for hospital-style beds that can be raised or lowered to help with mobility, breathing, or pain. Also known as electric adjustable beds, these aren’t luxury items—they’re DME, or durable medical equipment, prescribed for real health needs. If you or a loved one struggles with arthritis, COPD, acid reflux, or back pain, an adjustable bed isn’t just comfortable—it’s medical support.

Medicare Part B covers adjustable beds only if a doctor says you need one because of a medical condition, and the bed meets Medicare’s standards. Not every adjustable bed counts—only those designed for medical use, not regular bedroom furniture. The bed must be rented or bought from a supplier that accepts Medicare assignment. You’ll also need a written order from your doctor, and Medicare won’t pay if you just want one for better sleep. Medicare Part B, the part of Medicare that covers outpatient care and durable medical equipment is the key player here. If you’re enrolled in a Medicare Advantage, a private insurance plan that replaces Original Medicare and may offer extra benefits, check your plan’s rules—some cover more types of beds or lower your out-of-pocket cost.

What about DME eligibility, the set of rules that determine whether Medicare will pay for medical equipment like wheelchairs, oxygen tanks, or adjustable beds? You must have a face-to-face exam with your doctor, and they must document that the bed is medically necessary—not just convenient. Conditions like severe mobility issues, chronic respiratory problems, or post-surgery recovery often qualify. Medicare will cover 80% of the approved cost after you meet your Part B deductible. You pay the other 20%, unless you have a Medigap plan. No surprise: Medicare won’t cover fancy features like massage functions or built-in speakers. Stick to the basics—height adjustment, head and foot elevation, and sturdy frame construction.

Many seniors get turned down because they don’t know what to ask for. Don’t assume your doctor knows Medicare’s rules. Bring up the term "durable medical equipment" and ask if an adjustable bed fits your diagnosis. Keep a copy of the prescription. Call your supplier and confirm they’re Medicare-approved. If you’re denied, you can appeal. The process isn’t fast, but it’s doable. This page collects real advice from seniors who’ve navigated this system, tips from caregivers who’ve saved money, and clear breakdowns of what’s covered—and what’s not. You’ll find guides on choosing the right bed, filling out paperwork, and avoiding scams. No fluff. Just what works.