Medicare and Home Furniture: What’s Covered and How to Choose

Ever wonder if your recliner or lift chair can be paid for by Medicare? You’re not alone. Many people think Medicare only covers doctors and medicine, but it also helps with a few pieces of home furniture that are considered medical equipment.

First things first: Medicare calls this "Durable Medical Equipment" (DME). To qualify, the item must be prescribed by a doctor, needed for a medical condition, and used at home. If it meets those three rules, you can submit a claim.

Understanding Medicare’s Furniture Coverage

Not every couch or coffee table qualifies. The most common furniture items that Medicare will consider are:

• Medical‑grade recliners or lift chairs that help people stand up
• Bed rails that prevent falls
• Adjustable height tables for feeding or therapy
• Wheelchairs and transport chairs
• Specialty mattresses for pressure relief

If the piece is purely decorative or for comfort only, Medicare won’t pay. The key is the medical need documented in a doctor’s order.

Tips for Buying Medicare‑Approved Recliners

When you’ve got a prescription, follow these steps to avoid hiccups:

1. Ask your doctor to write a clear DME order that names the exact model or type.
2. Choose a vendor that is Medicare‑enrolled. They’ll handle the paperwork for you.
3. Check that the recliner has a proper manufacturer’s label and meets safety standards.
4. Keep copies of the order, receipts, and any delivery proof. Medicare may request them later.
5. Know your cost‑share. Medicare Part B typically covers 80% of the approved amount; you’re responsible for the rest.

One common mistake is buying a “luxury” recliner and then trying to get Medicare to pay the full price. The program only reimburses the allowable amount, which is based on a national fee schedule. If the chair you pick is way above that price, you’ll pay the difference out of pocket.

Another tip: ask the vendor about warranty and service plans. Since Medicare items are expected to last, a good warranty can save you money if something breaks.

If you’re not sure whether a piece qualifies, call Medicare’s DME helpline. A quick chat can save you weeks of back‑and‑forth with the insurer.

Remember, the goal of Medicare’s furniture coverage is to improve safety and independence at home. Anything that helps you move, sit, or rest without pain is worth checking.

So next time you hear a friend talk about a “medical recliner,” you’ll know exactly what to ask for and how to get it covered. With the right paperwork and a qualified vendor, you can turn a simple piece of furniture into a health‑boosting tool without breaking the bank.