How To Get A Hospital Bed Through Insurance

In order for insurance to cover part or all of your hospital bed rental your doctor needs to prescribe the hospital bed for use in your home.

How to get a hospital bed through insurance.

First if you live in a medicare competitive bidding area cba such as minneapolis you will have to find a medical equipment company that won the bid to supply hospital beds to medicare beneficiaries such as liberty oxygen and medical equipment. Medicare will pick up 80 of the amount that is medicare approved for the purchase of a hospital bed for home use. If you don t know which providers you can use you can go to www medicare gov. Medicare pays for different kinds of dme in different ways.

General requirements for coverage of hospital beds. You will need to present your insurance company with a copy of the doctor s order and many insurance companies request that the order includes the identification of your qualifying diagnosis. The doctor must document your need in your medical records and write you an order prescription for the equipment. Getting a special needs bed funded through insurance does your child need a special bed in order to be safe at night.

As for most dme s you must have a medical necessity for the equipment as certified by your doctor. You should use a medicare approved supplier that takes assignment to lower your oop costs. Only your doctor can prescribe the equipment for you. There are many different options like the sleepsafe bed our favorite or the hospital beds from pedicraft.

Your costs in original medicare if your supplier accepts assignment you pay 20 of the medicare approved amount and the part b deductible applies. Your doctor must complete and submit all the necessary paperwork that proved you really qualify to get a hospital bed. However you need to follow these steps on how you can get it. The individual must cover the remaining 20.

After you have paid your part b deductible medicare will pay 80 of the allowed amount for a hospital bed and you pay the remaining balance. A physician s prescription and such additional documentation as the medicare administrative contractor mac medical staff may consider necessary including medical records and physicians reports must establish the medical necessity for a hospital bed due to one of the following reasons. In order for you to get a hospital bed through medicaid first you need to get a doctor s order by examining your overall health status for the medical equipment you need. Medicare part b medical insurance covers hospital beds as durable medical equipment dme that your doctor prescribes for use in your home.

You must also be covered under medicare part b and have been assessed by your doctor. Medicare will cover a hospital bed when you can show a medical necessity for the bed.