Medicaid is a Federal program that provides medical insurance to low-income older adults. Medicaid coverage specifics can vary by state, but in general terms, Medicaid will pay for hospital beds for at-home use if they fall under the durable medical equipment (DME) category. However, the equipment must these meet specific criteria:Equipment can withstand repetitive use.Equipment must be used for medical purposes.Equipment can be used in in-home settings.Specific Medicaid requirements for hospital beds for in-home include the following:Hospital beds must be cleared to market by the FDA.Beds must include mattresses, ends with casters, IV sockets and side rails.Beds must be capable of supporting overhead accessories such as trapeze bars and frames.

Basic home hospital beds may be paid for, in part, by Medicare Part B. Anyone who has Medicare Part B, and has a medical need for a hospital bed in their home, is able to get partial coverage under Medicare’s Durable Medical Equipment (DME) policy. DME is defined as medical equipment that can be reused, and a hospital bed falls under this policy. A Medicare enrolled doctor must deem the hospital bed necessary and prescribe it for use in an individual’s home.Medicare will pick up 80% of the amount that is Medicare approved for the purchase of a hospital bed for home use. The individual must cover the remaining 20%. This can be paid out-of-pocket or with help from supplemental insurance, such as Medigap. One must also have met their Medicare Part B deductible, which as of 2019 is $185. Medicare will also help to cover the cost of some bed accessories, which may include trapeze bars, mattress covers that are intended to avoid bedsores, and bedside rails.Rather than buy a home hospital bed straight out, one can also rent a hospital bed and still receive financial assistance from Medicare. With current Medicare regulations, after 13 months of renting, the individual owns the bed.

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