Benefits that May Surprise You
Medicare is well-known for covering doctor visits and hospital stays, but it also offers valuable benefits for managing health at home through Durable Medical Equipment (DME). If your doctor prescribes DME for use in your home, Medicare Part B may help cover the cost.
What is DME?
Durable Medical Equipment refers to items built for long-term use for medical reasons (vs. everyday use). To qualify as DME under Medicare, items must be durable, used for medical purposes in the home, and generally last at least three years.
DME Covered by Medicare
A variety of essential items are covered. Examples include:
- Blood sugar meters, test strips, and lancets for managing diabetes.
- Mobility aids such as walkers, wheelchairs, scooters, canes, and crutches.
- Continuous passive motion devices and CPAP machines for conditions like sleep apnea or post-surgery recovery.
- Hospital beds, patient lifts, and commode chairs for safety and comfort at home.
- Oxygen equipment, nebulizers, and infusion pumps for respiratory issues or intravenous treatments.
- Pressure-reducing support surfaces and traction equipment to prevent bedsores and assist in specific therapeutic needs.
Understanding the Costs
After meeting your Part B deductible, Medicare covers 80% of the Medicare-approved amount for DME. To qualify, your doctor and the supplier must be enrolled in Medicare. If your supplier does not accept Medicare assignment, they can charge more than the Medicare-approved amount.
Navigating DME Benefits
It’s beneficial to periodically review your coverage as your needs may change over time. Many suppliers offer assistance in understanding your benefits. Don’t hesitate to reach out for free help from an agent in these pages. Regularly reviewing your DME needs and staying informed about changes in coverage can ensure you get the most from your Medicare benefits, and best manage the cost of supporting your quality of life.