Exploring Insurance Options for Low-Cost Mattresses with Medicare

Having a comfortable and supportive mattress is essential for a good night's sleep and overall well-being. For individuals with Medicare coverage, finding a low-cost mattress can be a concern. While Medicare does not typically cover the cost of mattresses, there are alternative insurance options and programs that may help make acquiring a low-cost mattress more accessible. In this comprehensive article, we will explore various insurance options, strategies, and resources that individuals with Medicare can consider to obtain a low-cost mattress and prioritize their sleep health.

Understanding Medicare Coverage

Original Medicare (Part A and Part B)

Original Medicare, provided by the federal government, generally does not cover the cost of mattresses for routine home use. Part A covers inpatient hospital care and limited skilled nursing facility care, while Part B covers outpatient services and medical supplies but does not include coverage for mattresses. It's important to be aware of the limitations of Original Medicare when it comes to mattress coverage.

Medicare Advantage (Part C)

Medicare Advantage plans, offered by private insurance companies approved by Medicare, provide coverage that often goes beyond Original Medicare. Some Medicare Advantage plans may offer additional benefits such as coverage for durable medical equipment, which may include specialized mattresses or overlays for individuals with specific medical conditions. Exploring Medicare Advantage plans can provide additional options for mattress coverage.

Exploring Alternative Insurance Options


Medicaid is a joint federal and state program that provides health coverage to individuals with low income. Medicaid coverage varies by state, and some states may offer coverage for durable medical equipment, including mattresses, for individuals who meet specific eligibility criteria. Checking with your state's Medicaid program can provide insights into potential coverage options.

Supplemental Insurance

Individuals with Medicare can consider purchasing supplemental insurance, also known as Medigap plans, to help cover certain out-of-pocket costs not covered by Original Medicare. While Medigap plans do not typically cover mattresses directly, they may help with other medical expenses, freeing up resources to invest in a low-cost mattress. Reviewing different Medigap plans can provide a broader understanding of potential financial assistance.

Veterans Administration (VA) Benefits

Veterans who are eligible for VA benefits may have access to various healthcare services and benefits, including assistance with obtaining medical equipment. The VA may provide coverage for mattresses or offer programs that help veterans acquire low-cost mattresses or other necessary medical supplies. Consulting with the VA or visiting their website can provide information on available benefits.

Nonprofit Organizations and Charities

There are nonprofit organizations and charities that offer assistance to individuals in need, including support for acquiring medical equipment. These organizations may have programs specifically dedicated to providing low-cost or discounted mattresses to individuals with limited financial resources. Researching local or national organizations that provide assistance with durable medical equipment can open up opportunities for obtaining a low-cost mattress.


While Medicare does not typically cover the cost of mattresses for routine home use, individuals with Medicare can explore alternative insurance options and programs to help acquire a low-cost mattress. Considering Medicaid coverage, supplemental insurance (Medigap), Veterans Administration benefits, and nonprofit organizations or charities that assist with durable medical equipment can provide potential avenues for obtaining a low-cost mattress. It is essential to research and understand the specific coverage options available based on individual circumstances and eligibility criteria.

 A good night's sleep on a comfortable and supportive mattress is crucial for overall health and well-being, and exploring these alternative insurance options can help make that possible. Prioritizing sleep health and ensuring a restful night's sleep is within reach for individuals with Medicare.