Will Medicare Pay for Your Mattress? Not Quite, But There’s Hope!

Good sleep is important for everyone, especially for older people dealing with health issues.

You might be wondering if Medicare, the health insurance for people 65 and older, can help you get a better mattress for improved sleep and comfort.

The answer isn’t just a yes or no, but there are certain situations where Medicare could assist you.

An image of a female therapist at a rehabilitation center. PHOTO CREDIT : Freepik.


What Is Medicare?

Let’s first grasp what Medicare means before delving into mattress coverage.

Medicare, founded in 1965, offers health insurance to many Americans who qualify.

It has various parts, each handling different services and medical supplies.

Does Medicare Cover Mattress?

Medicare usually doesn’t pay for regular mattresses because they’re not seen as necessary medical equipment.

But, if your doctor says you need a special mattress like one for a hospital bed or to reduce pressure, Medicare might cover it.

To find out if you can get a Medicare-approved mattress, talk to your healthcare provider.

They’ll check if it’s medically necessary for you and give you the right paperwork for Medicare.

Understanding Medicare Mattress  Coverage

Medicare doesn’t usually pay for regular mattresses because they see them as comfy items, not essential medical gear.

Certain mattresses made for medical reasons have an opportunity.

These include:

Mattresses that reduce pressure: These assist in avoiding sores for people with limited movement or certain medical issues.

Mattresses for hospital beds: If needed for treatment, Medicare might pay for them.

Other special mattresses: Mattresses made for particular conditions, like sleep apnea or serious back pain, could be covered with the right paperwork.

Key Requirements For Coverage

An infographic with Key coverage of medicare mattresses: PHOTO CREDIT: InsuranceBlobs.com.


  1. Get a doctor’s prescription: Your doctor, who accepts Medicare assignment, must say that the mattress is needed for your health.
  2. Make sure it’s classified as Durable Medical Equipment (DME): The mattress should be expected to last at least three years and be mainly used for medical reasons.
  3. Buy it from an approved supplier: You need to purchase the mattress from a supplier approved by Medicare.

What To Expect If Covered

Medicare Part B usually pays for 80% of the approved expenses.

You have to pay the remaining 20% (coinsurance) and the yearly Part B deductible.

Make sure to check your plan because Medicare Advantage plans might give extra coverage or lower costs.

Tips For Navigating  Medicare Mattress Coverage

An infographic with tips with tips for navigating Medicare mattress coverage, PHOTO CREDIT: Insuranceblobs.Com.


  • Talk to your doctor:

Discuss your sleep issues and medical needs for a specialized mattress.

  • Seek doctor’s documentation:

Obtain a written prescription indicating the medical necessity of the mattress.

  • Research approved suppliers:

Find a Medicare-approved supplier offering the specific mattress you require.

  •  Understand your costs:

Calculate estimated out-of-pocket expenses, factoring in coinsurance and deductible.

  •  Explore additional options:

Consider Medicare Advantage plans or Medigap plans for potential cost-sharing benefits.


Understanding Medicare coverage for mattresses can be tricky.

Talk to your doctor, a Medicare expert, or a supplier of durable medical equipment to make sure you’re heading in the right direction to get the sleep support you require.

Medicare might not pay for a fancy mattress upgrade, but it can assist with the cost of a medically necessary one.

So, you can sleep soundly without worrying about expenses.

Sweet dreams!


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