Are Orthopedic Mattresses Covered By Insurance?

There are people that have medical conditions that don't allow them to sleep on a regular mattress, and that's when orthopedic mattresses become a necessity. The problem is that orthopedic mattresses are expensive and sometimes unaffordable. There are, however, some situations where you can get 80% of your orthopedic mattress cost covered by health insurance. So, if you are wondering, are orthopedic mattresses covered by insurance? We'll help you answer your questions and give you some tips and tricks.

Some orthopedic mattresses are covered by insurance. 5-zone support orthopedic mattresses are covered by Medicare insurance if prescribed by a doctor. Additionally, spinal alignment orthopedic mattresses are covered by BCBS insurance if they meet certain criteria.  

For you to get a mattress like this that can be covered by Medicare insurance or private health insurance, you need to know about the conditions under which orthopedic mattresses become eligible for coverage and which types of mattresses are approved by Medicare and health insurance providers. Read our article about choosing the right orthopedic mattress size once you're ready, for more information about the various mattress choices available to you. Also, you might find interest in the 7 benefits of an orthopedic mattress and how to choose the right one. So be sure to check that out too.

Orthopedic mattresses are a valuable investment in your overall health, so find out if your insurance will cover a portion of the cost. Image Source: Plushbeds.

Which Orthopedic Mattresses Are Covered by Insurance?

A medical insurance company will consider covering the partial cost of an orthopedic mattress when the mattress is deemed necessary for medical reasons and is prescribed by the patient's doctor. 

There are two types of Orthopedic mattresses that are covered by insurance, the 5-zone support and spinal alignment orthopedic mattresses. An orthopedic mattress can be covered by Medicare, Aetna's, and BCBS' health insurance if it is classified as durable medical equipment "DME". In order for an orthopedic mattress to be classified as DME, it needs to be an essential part of the patient's life according to a doctor's prescription.

Both Aetna and BCBS insurance cover the orthopedic mattress only when it is considered as part of medical equipment and when a hospital bed is medically necessary. Have your doctor call Blue Cross/Blue Shield to determine if the orthopedic mattress is considered durable medical equipment (DME) or if it is not covered. This list from BCBS shows a number of mattresses and orthopedic support devices that are not covered. The designation as a covered medical equipment Aetna covers pressure-reducing support surfaces in this document. As for Medicare, the orthopedic mattress can be covered by insurance when it meets certain criteria and is classified as DME. You can read more about the durable medical equipment classification here. The orthopedic mattress must be used for medical purposes only, be used at home, be prescribed by a doctor, and be utilized only by a sick or injured person. 

List of Common Insurances That Cover Orthopedic Mattresses	List of Conditions That Must Be Satisfied To Be Covered by This Insurance	Example of a related Orthopedic Mattress Which Requires DME classification to Qualify
BCBS	The mattress is considered medically necessary only when a hospital bed is necessary. Read more here.	Plushbeds Luxury Bliss (5 star reviews)
Aetna	The mattress is considered medically necessary only when a hospital bed is necessary. Here's Aetna's document.	Puffy Lux Mattress (11000+ satisfied customers)
Medicare Part B	Must qualify for the DME classification. Learn about Medicare DME here.  Serves a medical purpose Prescribed by a doctor as a medical necessity  Used at home Useful for a person with injury or disability	Ghostbed Flex

As you're doing your research, be sure to take a look at our related article comparing orthopedic mattress side effects and disadvantages for more information. You might also find interest in learning how to choose an orthopedic mattress you can flip and why you need one.

Will Insurance Pay For A Tempur-Pedic Bed?

For people with back or spinal injuries, a Tempur-Pedic mattress is a great choice. A Tempur-Pedic mattress is designed for spinal alignment and pressure relief. It has the ability to contour to the shape of the body, keep the spine and neck aligned, and help prevent the build-up of pressure points on the back and joints. Hence, it can be medically prescribed for patients with back and spinal injuries. 

Medicare, Medicaid, Aetna, BCBS insurances will cover a Tempur-Pedic bed. In order for the bed to be covered, a physician must supply evidence of spinal injuries, back injuries, or any other medical condition that justifies a Tempur-Pedic bed. United Healthcare and CIGNA will not cover a Tempur-Pedic bed. 

This type of bed is expensive, therefore, being covered by insurance can help many patients afford it. Read our article about tips for choosing an orthopedic mattress for sciatica pain to help you choose the correct pressure-relieving mattress. 

Not all health insurances cover Tempur-Pedic beds like these. If your doctor has prescribed a special type of mattress for your medical condition, Medicare insurance can cover that for you as long as you have the necessary documents from your doctor recommending that mattress. Medicaid also covers DME including beds or mattresses for medical purposes, as long as they are considered necessary by a physician. However, this is not the case with private health insurance companies, as they do not all cover Tempur-Pedic mattresses. 

United Healthcare does not consider mattresses as DME, which they discuss on their list of coverage exclusions on their website. CIGNA also only covers medical beds and not mattresses. However, Aetna considers mattresses as medically necessary only when a hospital bed is necessary. The same goes for BCBS who cover the mattress only when a hospital bed is a medical necessity. 

Under certain conditions, some medical insurance companies will cover a Tempur-Pedic mattress with proper medical evaluation from a physician. Image Source: Tempurpedic.com.

You might also find interest in our related article comparing an orthopedic mattress vs. Tempurpedic mattress to find out which one is right for you. And be sure to read our article on how to choose an orthopedic mattress for elderly sleepers for additional information.

Is A Pressure Relief Mattress Covered By Medicare?

Pressure relief mattresses are medically prescribed for immobile patients or for people with injuries that cause them to be bedridden. Because of the lack of mobility, the pressure on the patients' skin and joints increases and creates pressure sores. 

A pressure relief mattress is covered by Medicare, Medicaid, BCBS, and Aetna's insurance. To have a pressure relief mattress covered by insurance a person must produce proof of immobility or injury that hinders mobility. 

You can read more about pressure relief surface coverage in this document by Medicare or this document by Aetna. Blue cross' guidelines are provided in this document. 

A pressure relief mattress like this helps in reducing pressure and preventing pressure sores. Read our article on the types of air beds that are used in hospitals that can assist with pressure relief, to learn more about this type of medical bed. Most medical insurance companies cover pressure relief mattresses because they meet all the necessary criteria to be covered. They are used only for medical purposes and only by patients. All the patient needs is a medical prescription or proof of their reliance on this type of mattress for their recovery. 

Note that pressure relief mattresses need specialized installation. The installation of an Apex pressure relief mattress is explained in this video tutorial.

Pressure relief mattresses are considered essential medical equipment for patients who are bedridden and immobile. Image Source: Amazon.

Be sure to take a look at our related article explaining the difference between an orthopedic mattress vs. a spring mattress. This detailed comparison will give you a lot of additional information.

Will Medicaid Pay For An Adjustable Bed?

Some patients need adjustable beds because of an injury or disability that requires them to sleep in a certain position, in these instances an adjustable bed is considered a medical necessity. 

Medicaid, Medicare, Aetna, and CIGNA all cover adjustable beds as long as the person can substantiate why they need the bed by providing proof of their medical condition or a physician's prescription. 

Adjustable beds like these can be configured into various positions according to a patient's needs, and are helpful for post-operative recovery. Read our article on using an air mattress on an adjustable bed to learn more about the benefits of using these mattresses. Most health insurance companies cover adjustable beds including Medicare, Medicaid, Aetna, and CIGNA. The only conditions under which adjustable beds are covered by insurance are when the user can produce proof of their medical condition, or if prescribed by a physician. They also need to be purchased from approved suppliers as discussed in our article about how to choose an orthopedic mattress for an adjustable bed.

An adjustable bed can be configured into many positions to assist with improved comfort. Image Source: Puffy

Medicare-Approved Mattress Suppliers

For a person to get a medical mattress covered by Medicare, it is important to purchase the mattress from a Medicare-approved mattress supplier. Medicare has developed a new tool to make it easy for people to find approved suppliers near them. This search engine for DME on the Medicare.gov website will help you find a reputable supplier in your area. Examples of Medicare-approved suppliers are DMG Wellness Inc, Revive Medical Supplies, Vermont Medical Supply Inc, and Hometown Medical Supplies. 

Summary of Other Mattresses Covered by Insurance 

Make sure to contact your insurance company before buying.

Type of Mattress	Insurance Companies That Don't Cover This Type Of Mattress	Insurances That Do Cover This Type Of Mattress	Suppliers To Purchase This Mattress From:	Example	Price
Plushbeds	United Healthcare CIGNA	MedicareMedicaidAetnaBCBS	Plushbeds	Plushbeds Luxury Bliss	~$1700
Pressure Relief	Covered by most	MedicareMedicaidAetnaBCBS	Drive Medical Supplies	Meridian Alternating Pressure Mattress	~$70
Adjustable	Covered by most	Medicare MedicaidAetnaCIGNA	Puffy	Puffy Adjustable base	~$900

Making an Informed Mattress Decision

With thousands of mattress options available, cutting through the noise requires focusing on what actually matters for your sleep quality and budget.

The Three Things That Matter Most

1. Support and alignment. Your mattress should keep your spine in a neutral position regardless of sleep position. If you wake up with aches or stiffness, your mattress is failing at its primary job.
2. Temperature regulation. Sleeping hot disrupts deep sleep cycles. Innerspring and hybrid mattresses with coil systems promote airflow far better than all-foam designs.
3. Purchase protection. A generous trial period (100+ nights), strong warranty, and hassle-free returns protect you from an expensive mistake. Never buy a mattress you cannot return.

A Strong Benchmark

The Saatva Classic ($1,779 Queen) scores well on all three factors: coil-on-coil construction for support and airflow, a 365-night home trial for risk-free evaluation, and a lifetime warranty for long-term protection. Free white-glove delivery and old mattress removal are included with every order.

Orthopedic Mattresses Insurance: Orthopedic Sleep Guide

"Orthopedic" is an unregulated term in the mattress industry. Here is what genuinely helps with musculoskeletal health during sleep.

Evidence-Based Orthopedic Features

• Medium-firm support (6–7/10): Clinical studies consistently show this firmness reduces back pain most effectively
• Zoned support: Firmer under the lumbar region, softer at shoulders—maintains natural spinal curves
• Responsive surface: Allows easy repositioning without trapping the sleeper
• Edge support: Critical for safe bed entry/exit, especially for seniors and those with mobility issues

What "Orthopedic" Does NOT Mean

Any manufacturer can label their mattress "orthopedic" without clinical validation. Focus on construction specifications (coil gauge, foam density, zoning) rather than marketing labels.

Related: back pain guide | seniors guide.

The Saatva Classic provides zoned dual-coil support that addresses orthopedic needs. 365-night trial, lifetime warranty.