If you or a loved one needs medical equipment at home — like a wheelchair, hospital bed, or oxygen concentrator — you may be wondering: Will insurance cover this? The good news is that many types of Durable Medical Equipment (DME) are covered by insurance in the U.S., including Medicare, Medicaid, and private insurers. Here’s a simple breakdown to help you understand what’s typically covered and how to qualify.

What is DME According to Insurance?

DME refers to medically necessary equipment prescribed by a licensed doctor for use in the home. Common examples include:

  • Manual or electric wheelchairs
  • Walkers and rollators
  • Hospital beds
  • Oxygen machines
  • CPAP devices
  • Patient lifts
  • Nebulizers

To qualify for insurance coverage, the equipment must:

✔️ Be medically necessary
✔️ Be prescribed by a physician
✔️ Be used for an extended period
✔️ Be appropriate for home use

1. Does Medicare Cover DME?

Yes! Medicare Part B covers 80% of the cost of most DME, as long as:

  • The equipment is prescribed by your doctor
  • You get it from a Medicare-approved supplier
  • You’ve met your Part B deductible

👉 You’ll usually pay 20% out-of-pocket after coverage kicks in.

2. Does Medicaid Cover DME?

Yes, but coverage varies state by state. Medicaid typically covers basic DME for those who qualify for low-income support, but approval may require prior authorization.

Check your state’s Medicaid DME list or consult a healthcare provider.

3. What About Private Insurance?

Most private insurance plans (e.g., Blue Cross, Aetna, UnitedHealthcare) offer DME benefits — but each has its own process. You’ll usually need:

  • A prescription
  • A pre-authorization
  • To use an in-network provider

Call your insurer’s customer service to confirm details for your plan.

Tips to Get DME Approved

âś… Talk to your doctor early
âś… Get a clear, written prescription
âś… Ask your supplier (like SafeMedEquip.com) if they provide insurance billing
âś… Save all documentation for claims

Conclusion:
Insurance can cover a big part of your DME costs — but the key is understanding the process. At SafeMedEquip.com, we provide documentation support and guidance for customers who want to use their insurance benefits.

đź“ž Need help choosing the right equipment? Contact our team today.