DME Coverage: Medicare, Insurance, or Buy Direct?

When shopping for durable medical equipment (DME) like hospital beds, scooters, lift chairs, and patient lifts, many people ask: “Will insurance or Medicare cover this?”

The answer is: sometimes—but with a lot of restrictions.

At Med Mart, we don’t bill Medicare or insurance, but we do want to help you understand your options—and explain why buying direct might be the easiest, fastest, and most flexible solution.

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Medicare & Insurance: What’s Covered?

Medicare

Medicare Part B may cover DME if:

• It’s medically necessary

• You have a doctor’s prescription

• You use a Medicare-approved supplier

But there are limits:

• Limited selection of covered equipment

• 80% coverage, after meeting your deductible

• Delays due to paperwork and approvals

Private Insurance

Many private plans cover more than Medicare but still require:

• A prescription

• Pre-approval

• Use of in-network suppliers

Out-of-pocket costs can still be high, depending on your plan.

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The Process: What to Expect with Medicare or Insurance

1. Doctor Visit – Get a prescription

2. Find a Supplier – Must be Medicare- or insurance-approved

3. Submit Paperwork – Includes proof of medical necessity

4. Wait for Approval – This can take weeks

5. Pick from Limited Options – Often just the basics
   
   

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The Downsides of Going Through Insurance

Limitation	What It Means
Limited product choices	You may not get the model or features you want
Long approval times	Equipment can take weeks or months to arrive
High effort, low flexibility	Extra work, with little control over the process

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Why Buy Direct from Med Mart?

At Med Mart, we simplify everything. No waiting. No paperwork. Just high-quality equipment, ready to ship.

Category	Medicare/Insurance	Buying Direct from Med Mart
Product Options	Limited	Full range of styles and features
Delivery Time	Weeks to months	Fast shipping available
Premium Features	Rare	Fully customizable and upgraded models
Approval Needed	Yes	No approvals or paperwork
Payment Options	Copays and deductibles	Flexible financing available
Support	Minimal	Expert advice from real product experts

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Take Control of Your Healthcare

When you buy direct from Med Mart, you get:

• A wide variety of medical equipment

• Affordable prices and financing options

• Fast delivery without the red tape

• Real support from product specialists who care

Skip the delays. Get the care and comfort you need—right when you need it.

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Still Want to Use Medicare or Insurance?

No problem. Here’s what to do:

• Contact your insurance provider to check your coverage

• Ask for a list of approved local DME suppliers

• Be prepared for a longer process with limited product options

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Need help choosing the right equipment? Call us at 888-413-8994—we’re here to help.