If you’ve ever wondered whether that comfy recliner could count as a medical expense, you’re not alone. Many people think insurance only pays for big stuff like hospital stays, but certain chairs qualify as Durable Medical Equipment (DME). Knowing the rules can save you cash and get you a chair that actually helps your health.
First off, Medicare only steps in when a recliner is prescribed by a doctor for a medical condition. Think chronic pain, limited mobility, or a diagnosis that makes standing for long periods risky. The doctor must write a clear order that says the recliner is essential, not just a luxury.
There are three key points Medicare looks for:
If any of those boxes aren’t checked, Medicare will say no. That’s why it helps to talk to a DME provider who knows the paperwork inside out.
Even if Medicare says no, many private health plans have similar DME clauses. Some will cover a recliner if it’s part of a broader rehabilitation program. Check your policy’s “medical equipment” section and look for terms like “home health equipment” or “assistive devices.”
Another route is a Health Savings Account (HSA) or Flexible Spending Account (FSA). You can use pretax dollars to buy a qualified recliner, but again, it should be documented as medically necessary.
For those without coverage, some charities and local senior services offer assistance programs. They often have lists of approved vendors and can help you fill out the forms.
Now, let’s talk about the paperwork. Medicare requires a Supplier’s Certificate of Need (SCN), an Itemized Prescription (Form CMS‑1500), and a certification that the chair meets the DME standards. It sounds heavy, but once you have the doctor’s order, the supplier usually handles the rest.
When you get a quote, ask the vendor if the price includes delivery and set‑up. Delivery fees can be a hidden cost, and some plans won’t cover them. Also, verify that the chair’s warranty is at least one year – Medicare prefers equipment that’s built to last.
Bottom line: a recliner can be an insurance claim, but only if it ticks the medical‑necessity box, meets DME specs, and is ordered through the right channels. Talk to your doctor, pick a Medicare‑approved supplier, and keep every form handy. With a bit of legwork, you’ll be relaxing in a chair that’s both comfortable and covered.
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