I know firsthand that shopping for special needs equipment can feel overwhelming. There are so many options out there, and while families search for the right fit, they also have to navigate the complex process of getting a bed covered by insurance. Fortunately, many families are able to get financial help through insurance!
- Can I Get A Special Needs Bed Covered By Insurance?
- Getting A Safety Bed Covered By Insurance
- What Does "Medically Necessary" Really Mean?
- Questions to Consider Before Choosing a Safety Bed
- Special Needs Beds Covered by Insurance: A Quick Comparison
- 1. The Safety Sleeper®
- 2. The Pedicraft Canopy Bed
- 3. The Posey Bed
- Learn More About Getting The Safety Sleeper® Covered by Insurance
Before you dive in, it helps to understand how the process works, what kind of paperwork you'll need, and which beds are more likely to be covered. That’s why I’ve asked the experts on our team to help break it all down. This guide shares the same insights and support they offer families every day.
Can I Get A Special Needs Bed Covered By Insurance?
You’ve probably heard that special needs beds can be covered by insurance, and they can be, just like other medical equipment deemed medically necessary.
Here's what one mom shared after getting The Safety Sleeper® through her insurance:
"We received The Safety Sleeper® a few weeks ago, and I just wanted to let you know how extremely happy both Mady and I are with her new bed. We were able to go through our insurance and it was covered fully." - Kate H.
Every insurance plan is a little different, but success stories like Kate's are a reminder that help is out there. You don’t have to figure it out alone; we’re here to walk you through it.
Getting A Safety Bed Covered By Insurance
The insurance process can seem complicated at first, but with the right support, it’s absolutely doable. Here’s how most families get started:
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Start with the manufacturer. If you're working with a company like The Safety Sleeper®, they can connect you with a local DME (durable medical equipment) provider who handles the paperwork.
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Get medical documentation. You’ll need a prescription and a Letter of Medical Necessity from your doctor or therapist.
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Share your story. Families often include a personal letter explaining their child’s needs. It can make a big difference.
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Submit and wait. The DME will submit everything to your insurance. Processing times vary, but the right support can make things smoother.
Want more details? Check out our guide to special needs bed insurance coverage for tips and FAQs.
What Does "Medically Necessary" Really Mean?
“Medically necessary” is a formal term often used by insurance providers to describe health care services, equipment, or supplies that a licensed provider determines are essential for diagnosing, treating, or managing a medical condition or its symptoms. This includes both physical and behavioral health needs.
To qualify, you’ll need a member of your child’s healthcare team to explain exactly how the bed meets your child’s needs. This could be a neurologist, occupational therapist, physical therapist, or another provider familiar with writing letters of medical necessity. That letter helps insurance reviewers understand why this isn’t just a want, it’s a need.
Think of it as telling the story of your child’s challenges and how the right bed can help them (and you) get better rest, avoid injury, and stay safe. You’ll also need to describe what methods you have tried previously that would be considered less restrictive. Examples like using child-safe door knobs or window locks, and whether these attempts were successful or not, along with the reasons why, are very helpful.
Questions to Consider Before Choosing a Safety Bed
Knowing what your child truly needs can help you pick the right bed, and it also helps make a stronger case for insurance coverage. Here are some questions to help guide you:
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What size do we need? Some beds only come in twin or single size. If your child needs more space, that matters.
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What safety features are non-negotiable? Zippers? Mesh sides? Padding? Access for medical equipment?
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Do we have medical requirements? If you use feeding tubes, IV lines, or lifts, you’ll need a compatible bed.
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Does it need to travel? Some beds fold up and travel well. Others don’t budge once they’re set up.
Still comparing features? Our safety bed buying guide can help you weigh the options.
Special Needs Beds Covered by Insurance: A Quick Comparison
Trying to sort through all the options? Here's a quick look at three of the most well-known safety beds that may qualify for insurance coverage:
1. The Safety Sleeper®
Designed by a mom (yep, me!) for my own son, The Safety Sleeper® is a fully enclosed safety bed that travels well and grows with your child. It’s available in multiple sizes and models, supports medical equipment, and even folds into a suitcase.
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Best for: Home and travel, families needing flexibility
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Price range: Low-to-mid
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Can it be covered by insurance?: Yes
Want to see the options? Compare The Safety Sleeper® bed models.
2. The Pedicraft Canopy Bed
This one’s super sturdy and often used for more medically complex needs. It’s not very portable and usually only fits a twin mattress.
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Best for: Families with high medical support needs
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Price range: Mid-to-high
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Can it be covered by insurance?: Yes
Want a head-to-head? Compare The Safety Sleeper® to The Pedicraft.
3. The Posey Bed
Used mainly in hospitals, the Posey Bed is big, heavy-duty, and designed for fall prevention. It’s great in medical settings but doesn’t travel easily.
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Best for: Institutional or hospital use
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Price range: High
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Can it be covered by insurance?: Yes
Curious how it stacks up? Compare The Safety Sleeper® to the Posey Bed.
Learn More About Getting The Safety Sleeper® Covered by Insurance
We know navigating insurance can feel like a full-time job. And if you're doing it while also managing the day-to-day of parenting a child with special needs? That’s a lot.
You don’t have to do it alone. Our team has helped thousands of families figure out insurance, paperwork, and everything in between.
If you’re just starting your research or ready to dive in, we’re here to help you find the right bed for your child and maybe even get it covered by insurance.
Reach out anytime. We’ll walk you through getting The Safety Sleeper® covered by insurance, step by step.
