2025 Medicare Coverage for Adjustable Beds and Discount Mattress for Seniors
Did you know Medicare covers 80% of medically necessary adjustable beds but excludes mattresses without a medical prescription? Discover how to qualify for coverage and find affordable, supportive mattresses that ease back and hip pain in 2025.
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Information About Medicare Coverage for Adjustable Beds in 2025
Medicare Part B in 2025 covers adjustable beds only if they qualify as Durable Medical Equipment (DME). Key points include:
Medical Necessity Is Required
The adjustable bed must be prescribed by a doctor who certifies that the bed is medically necessary for the beneficiary’s health condition. Supporting documents such as medical records that verify conditions like severe arthritis, spinal cord injuries, cardiac disease, or other issues requiring frequent repositioning may be needed.
Coverage Percentage and Costs
Medicare Part B covers 80% of the Medicare-approved cost for the adjustable bed. The remaining 20% is the responsibility of the beneficiary, along with the annual Part B deductible, which for 2025 is $257. Suppliers must accept Medicare assignment for reimbursement to apply.
Supplier Requirements
Beds must be rented or purchased through Medicare-certified suppliers who accept Medicare assignment. Beneficiaries can use the Medicare supplier locator at Medicare.gov or call 1-800-MEDICARE to find qualified suppliers.
Supplemental Insurance Plans
Medigap plans, such as Plan F, may cover the 20% coinsurance and Part B deductible, which can help reduce out-of-pocket expenses associated with purchasing or renting an adjustable bed.
Medicare Advantage Plans
Some Medicare Advantage plans may offer additional benefits related to adjustable beds; however, coverage varies by plan. Beneficiaries should verify details directly with their plan provider.
Additional Covered Features
Modifications like air-fluidized beds or bed rails, prescribed as medically necessary, may be covered as part of Durable Medical Equipment.
Medicare and Mattress Coverage
Medicare does not cover mattresses unless they are part of a medically necessary adjustable or hospital bed with an associated prescription. Seniors who require mattresses for comfort, pressure relief, or pain management without a related DME prescription are generally responsible for these expenses on their own.
Options for Finding Discounted Mattresses for Back and Hip Comfort in 2025
While Medicare does not provide coverage for mattresses, many seniors may find affordable mattresses that offer supportive features intended to help with back and hip comfort through retail sales and promotions. In 2025, various brands offer mattresses with features such as pressure relief and support, often featuring discounts during holiday or seasonal sales. Some mattress options suitable for seniors with back and hip concerns include:
Nectar Premier
A memory foam mattress with motion isolation and a warranty.
Helix Midnight Luxe
A medium-firm hybrid mattress designed for side and combination sleepers.
Plank Mattress
Firm mattress focused on spinal alignment and back support.
DreamCloud
Hybrid mattress offering balanced firmness and cushioning.
Nolah Natural and Amerisleep Organica
Latex hybrid mattresses that provide pressure relief and durability.
Seniors interested in these products should verify current pricing, sale terms, return policies, and trial periods directly with retailers.
How to Locate Medicare-Approved Adjustable Bed Suppliers and Mattress Discounts
For Medicare-Covered Adjustable Beds:
Use the official Medicare supplier locator at Medicare.gov or call 1-800-MEDICARE (1-800-633-4227). This ensures suppliers accept Medicare assignment and that beds meet DME criteria.
For Discounted Mattresses:
Monitor trusted mattress retailers and brand websites for verified sales and promotions. Availability and pricing vary, so it is recommended to verify details before purchasing.
Considerations for Seniors Regarding Adjustable Beds and Mattresses in 2025
Consult Your Doctor
Obtain a prescription verifying the medical necessity of an adjustable bed to pursue Medicare coverage.
Review Supplemental Insurance
If enrolled in Original Medicare, explore Medigap plans that may reduce out-of-pocket costs for Durable Medical Equipment.
Check Medicare Advantage Benefits
If covered by an MA plan, confirm specifics regarding adjustable bed coverage with your plan provider.
Understand Cost Responsibilities
Medicare typically covers 80% of the cost for medically prescribed adjustable beds, with beneficiaries responsible for the remaining balance and deductible.
Shop Carefully for Mattresses
For mattresses intended to provide comfort or pain relief, select products with positive reviews and clear policies, especially when buying during sales.
In 2025, Medicare Part B covers 80% of the cost for medically necessary adjustable beds prescribed by a doctor and obtained from Medicare-approved suppliers. Beneficiaries are responsible for a 20% copay plus a $257 deductible. Some Medigap plans may help reduce these costs. Medicare does not cover mattresses unless they are part of a prescribed medical bed. Seniors seeking mattresses for back and hip comfort should look for discounted sales from reputable brands and retailers. Coordinating prescriptions, supplier selection, and insurance plans can help beneficiaries understand their options and costs.
Sources
- Senior65 – Does Medicare Cover Adjustable Beds?
- Medical News Today – Adjustable Beds and Medicare
- Forbes – Mattress Sales in 2025
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