Hospital Beds & Furniture Covered by Medicare Part B
Coverage details, documentation requirements, and copay expectations for hospital beds & furniture equipment under Medicare Part B.
Coverage Overview
Medicare Part B is a federal health insurance program that covers medically necessary hospital beds & furniture equipment when prescribed by a physician.
What's Typically Covered
Medicare Part B covers medically necessary durable medical equipment (DME) including hospital beds & furniture. Your doctor must prescribe the equipment, and you must use a Medicare-enrolled supplier.
Documentation Required
- ✓ Written order / prescription from your physician
- ✓ Certificate of Medical Necessity (CMN) for certain equipment
- ✓ Proof of medical diagnosis
- ✓ Enrollment at a participating Medicare Part B supplier
Cities with Suppliers Accepting Medicare Part B
Medicare Part B DME Coverage
Medicare Part B is the part of Original Medicare that covers outpatient medical services — including durable medical equipment (DME).
How Part B Covers DME
Part B covers equipment that is medically necessary for use in your home, prescribed by your doctor, and obtained from a Medicare-enrolled supplier.
What "medically necessary" means: The equipment must be needed to diagnose or treat a medical condition, or improve a function that is impaired by a medical condition. Your doctor must document why you need the equipment.
80/20 cost sharing: Medicare Part B pays 80% of the approved amount for covered DME. You pay the remaining 20%, plus your annual Part B deductible ($257 in 2025).
With a Medicare Supplement (Medigap) plan: Many Medigap plans cover some or all of your 20% copay, which can reduce your out-of-pocket cost significantly.
Competitive bidding: In many areas, Medicare uses a Competitive Bidding Program that affects which suppliers you can use and what Medicare pays for certain equipment. If you live in a competitive bidding area, you may need to use a preferred supplier to have Medicare cover the equipment.
Prior Authorization Requirements
Some DME items require prior authorization (PA) before Medicare will approve payment. PA means Medicare must approve the equipment before you receive it.
Items that commonly require prior authorization: - Power wheelchairs and scooters - Continuous passive motion (CPM) devices - Speech-generating devices - Some respiratory equipment at higher cost thresholds - Home infusion therapy equipment
Items that generally do NOT require prior authorization: - CPAP equipment (requires documentation, but not formal PA) - Standard walkers and manual wheelchairs - Basic hospital beds - Blood glucose monitors and test strips
How the PA process works: 1. Your doctor submits supporting documentation to Medicare 2. Medicare reviews the request (typically 10–14 business days) 3. Medicare issues an approval or denial 4. You or your supplier can appeal a denial
Tip: Work with your DME supplier — they handle most PA paperwork and know what documentation Medicare needs.
Typical Out-of-Pocket Costs
Understanding your cost-sharing helps you plan for DME expenses.
Key Cost Components
Part B Deductible: $257/year (2025). You pay 100% of costs until you reach this amount.
After deductible: Medicare pays 80%, you pay 20% of the Medicare-approved amount.
Monthly premium: Most people pay $185/month for Part B in 2025 (may be higher based on income).
Estimated Patient Cost for Common Equipment
| Equipment | Approx. Monthly Patient Cost | |-----------|-------------------------------| | CPAP machine (rental) | $10–$30/month | | CPAP supplies (masks, tubing) | $5–$20/quarter | | Blood glucose meter | $0–$10 one-time | | Test strips (100/month) | $5–$15/month | | Standard walker | $10–$25 one-time | | Manual wheelchair | $20–$60 one-time | | Home oxygen concentrator | $15–$45/month |
Amounts are estimates based on 20% coinsurance. Actual costs vary by supplier, region, and plan.
How to reduce your costs: - A Medicare Supplement plan covers your 20% copay - Medicare Advantage plans may have different cost-sharing - Some suppliers participate in Medicare's assignment program and cannot charge more than the Medicare-approved amount