It’s no secret that sleep is important. After all, you spend one-third of your life sleeping, which is why it’s so important to find the right mattress.
If you have reached the point where your mattress is no longer comfortable or has become unsafe, then it’s time to get a new one. Finding a new mattress can be a challenge though, especially if you don’t have insurance or cash to pay for one up front.
Fortunately, there are ways for you to get a new mattress without going broke in the process. You just need to know where to look and how to find affordable financing options so that you can get a brand new bed without breaking the bank.
When most people think of buying a new mattress, they probably envision going to a traditional mattress store and trying out different options until finding the perfect fit. Because you’re reading this, however, it’s safe to assume that things are a bit different when it comes to purchasing a new mattress with Medicare.
Implementing budget-friendly solutions for common problems is one of the benefits of being an aging adult. In many cases, there are financial advantages and support services tailored to your needs as a senior citizen.
For example, did you know that you can use your Medicare coverage to buy almost any type of bed including mattresses? It takes some research and planning, but there are countless ways to get affordable new bedding while also meeting your specific needs and preferences.
What is Medicare?
Medicare is a federal health insurance program available to all people who are over the age of 65, people with certain disabilities, and people with End-Stage Renal Disease.
When you sign up for Medicare, you’ll likely find that most doctors, clinic, and hospital services are covered under your plan – with a few exceptions. For example, Medicare doesn’t generally cover prescription drugs, hearing aids, dental work, or vision care.
The good news is that your Medicare coverage can extend beyond basic medical needs, including to items like prescription drugs, some types of equipment and mobility aids, and even items like a new mattress.
When Can You Use Your Medicare Coverage To Buy A Mattress?
As we’ve mentioned, you need to be over the age of 65 to be eligible for Medicare coverage. Once you meet this eligibility requirement, you can shop for a new mattress using your coverage in one of two ways.
On one hand, you can purchase a new mattress directly through Medicare. On the other hand, you can use your Medicare coverage to purchase a new mattress from a retailer who participates in the Medicare program, directly through Medicare.
Medicare generally covers the cost of a new mattress, provided your doctor has diagnosed you with one or more qualifying medical conditions. If this is the case, you can submit a claim to your Medicare coverage and have the cost of your new mattress covered. – Through an approved retailer: While Medicare does provide coverage for new mattresses, some of the specifics are left to each individual state.
If you want to shop for a new mattress through Medicare, you’ll want to make sure that the store where you choose to buy your new mattress participates in the Medicare program.
How to Shop for a Mattress With Medicare
As we’ve discussed, if you plan to purchase a new mattress using your Medicare coverage, you’ll want to make sure that you choose an approved retailer.
When you shop for a new mattress, you want to keep the following considerations in mind: comfort, condition, warranty, and price. Since you’re shopping through Medicare, you’ll also want to make sure that you choose a mattress that meets the guidelines laid out in the program.
If you’re shopping directly through Medicare, it’s a good idea to find a mattress that is designed specifically for people who have a qualifying medical condition. These mattresses tend to have additional support and comfort built in, making them a great fit for aging adults.
If you’re shopping through a dealer that participates in Medicare, you’ll want to look for a mattress that has been certified by the Medicare program.
These mattresses all meet specific guidelines for example, the maximum amount you’ll be expected to pay for each mattress is listed on the certification label.
Tips For Using Your Insurance To Buy a New Mattress
If you’re shopping directly through Medicare to purchase a new mattress, you’ll want to be extra careful to submit your claim correctly.
It’s easy to make common mistakes that could result in your claim being denied. First, make sure that you’ve been diagnosed with one or more qualifying medical conditions.
If you’d like to purchase a new mattress, but your doctor hasn’t diagnosed you with a qualifying condition, you’re out of luck when it comes to your Medicare coverage. Next, be sure to make your claim directly to Medicare. While Medicare does sometimes allow you to make your claim directly to the manufacturer, it’s best to go through Medicare.
When you’re aging into your 60s, 70s or 80s, it’s important to keep an eye out for signs of aging in your body. This could include changes in your sleep patterns, pain in your joints or muscles, or even your mental health. A new mattress could be the answer to many aging-related health issues, from restless sleep to back pain.
If you’re using Medicare to cover your healthcare costs, it’s important to know that part of your coverage can be used to purchase a new mattress. The best way to use your coverage to purchase a new mattress is to shop for a mattress that’s been certified by Medicare.