Does Medicare cover bed rails?

Medicare doesn't cover bed rails that are designed to attach to a conventional bed. The only way Medicare covers bed rails is if you are eligible, with a doctor's prescription, for a hospital bed in your home that has rails. You will have to pay your Part B deductible and coinsurance, but Medicare Supplement can cover out-of-pocket costs not paid for by Medicare for a bed with rails.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 20, 2021

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The Highlights

  • Medicare doesn’t cover detachable bed rails
  • You may be eligible for a hospital bed with rails that is covered by Medicare
  • You will have to pay your Part B deductible and coinsurance costs

Does Medicare cover bed rails? Original Medicare doesn’t cover bed rails that are designed to be added to a conventional bed. If a doctor prescribes it, you may be eligible for a hospital bed with rails that will be covered by Medicare. If so, you will be required to pay the Medicare Part B deductible as well as coinsurance. A Medicare Supplement plan will cover some or all of those out-of-pocket amounts depending on the plan.

Medicare Advantage, which is provided by a health insurance company, will likely have similar coverage rules, but deductibles and coinsurance will vary.

If you would like to compare Medicare Supplement plans to help with out of pocket costs for Medicare bed rail coverage, enter your ZIP code now.

Does Medicare cover safety bed rails?

If you are looking to have detachable safety bed rails added to your existing bed, it will not be covered by Medicare. The only way to get coverage for bed rails is if you require a hospital bed that includes rails. You will need a doctor to prescribe this type of bed. It will be covered as durable medical equipment under Medicare Part B.

If you want to buy bed rails for a conventional bed, you may have some coverage for over-the-counter medical equipment with a Medicare Advantage plan. This is likely to be limited coverage, and you will need to check your plan to see what is covered.

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What is the cost of bed safety rails with Medicare?

Since bed safety rails are not covered by Medicare, you will need to pay the entire cost out of pocket. If you are eligible for a hospital bed with safety rails, you will be responsible for the Part B deductible and also for a 20 percent health care coinsurance. Medicare Supplement insurance may pay all or some of that amount, depending on the plan you have chosen.

A hospital bed for home use may range in cost from $500-$10,000.

You may have some coverage with a Medicare Advantage plan, but how much is available depends on the plan. Contact your provider for details.

Does Medicare cover bed rails? The Bottom Line

Unfortunately, Medicare doesn’t cover bed rails. The only way to get bed rails with Medicare footing the bill is to have a home hospital bed prescribed by a doctor. If you are able to get this sort of bed, you will be responsible for your deductible and coinsurance, unless you have a supplemental plan to help.

To compare Medicare Supplement plans that can help cover the out-of-pocket costs of bed with rails, enter your ZIP code now.

Are you looking for free insurance quotes?

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