Durable Medical Equipment (DME)

Durable medical equipment refers to reusable devices prescribed to assist with medical conditions or mobility challenges. Examples include wheelchairs, walkers, hospital beds, oxygen systems, and CPAP machines. Health insurance plans typically reimburse a percentage of the cost up to a maximum per item or per period.

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Coverage ensures patients can manage chronic conditions at home safely and comfortably, but most insurers require medical documentation or pre-approval.

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Example:

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If a hospital bed costs $1,000 and your plan covers 80 percent up to $800 every five years, you pay $200.

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What to Watch For:

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Submit a physician’s prescription and, when required, obtain pre-authorization before purchase or rental to guarantee reimbursement.