Insurance Coverage for The Safety Sleeper®
You don’t necessarily have to pay for The Safety Sleeper® out of pocket. Instead, you can obtain insurance coverage to protect your loved one. While coverage varies from state to state and between different insurance companies, we’ll work with you and your local Durable Medical Equipment provider to cover the costs. To get started, follow the steps below:
Getting your first fully enclosed safety bed can seem like a complicated, overwhelming process, and we want it to be as simple as possible!
Contact us first. Once we understand exactly what you’re looking for, we’ll connect you with a DME (Durable Medical Equipment) provider in your area and help prepare you for the insurance process.
Coming to us first ensures we’re in the loop at every step of your journey, and we can lend support along the way.
Use the form below to get started:
We will connect you with a DME Provider
A Durable Medical Equipment (DME) provider is a business that specializes in medical equipment you won’t find in a regular pharmacy or store.
Your DME is essential for insurance coverage, and they’re also important in actually procuring the right bed. In most cases, they’ll send an Assistive Technology Professional (ATP) to visit your home and assess your loved one’s needs.
Get a Prescription
Your doctor’s prescription should list all of the features your loved one requires, such as powered lift access, bed size, and any other relevant details. The more information your doctor includes, the more likely you are to be approved by the insurance company.
Write a Letter of Medical Necessity
A letter of medical necessity is a detailed list of reasons explaining why a prescribed item is medically necessary for your loved one.
In general, it’s best to have one letter of medical necessity from you and one letter from each of the doctors or specialists you’re working with.
The more details you include, the better, as most insurance coverage denials stem from not having enough information. In general, your letter of medical necessity should include:
- Your loved one’s medical diagnoses requiring The Safety Sleeper® for proper treatment
- Your loved one’s medical history and previous treatment methods that have failed
- A list of your loved one’s doctors or specialists who have assisted in providing treatment
- Reasons why The Safety Sleeper® is medically necessary (for example, your loved one regularly elopes at night or falls out of bed and injures themselves)
For help, check out our letter of medical necessity template or read one of our letter of medical necessity examples.
Work with your insurance company.
The Safety Sleeper® has been covered through Medicaid, Medicaid HMOs, Medical Waivers, Tricare/ECHO, and private insurance companies. Each state varies in coverage and most insurers require a physician's prescription and letter of medical necessity.
It is normal to be denied on your first effort, but you should respond quickly if you’re denied. In many cases, the insurance company will only inform you and sometimes the doctor—not your DME.
As soon as you receive a denial, send it to your DME, then work on your appeal. In some cases, you only have a few days to formally file an appeal before needing to completely restart the process. Use the appeal as an opportunity to share additional details on your unique case.
For additional assistance in the insurance process, call us at 724-96-SLEEP or email firstname.lastname@example.org.
Explore alternative options (If Necessary)
Even with your best efforts, your insurance provider may still be unwilling to provide coverage for your bed.
Other options are still available, including:
- Affirm - With Affirm, you can quickly purchase your bed, then pay in 3, 6, or 12 monthly installments.
- Tadpole Adaptive & The Mobility Funder - Thanks to our partnership with Tadpole Adaptive, you can crowdfund your purchase while putting every dollar toward The Safety Sleeper®. Tadpole Adaptive doesn’t charge any fees!
- GoFundMe - If Affirm and Tadpole Adaptive are poor fits, you could always rely on GoFundMe as a crowdfunding platform. Be aware, however, that GoFundMe automatically deducts 2.9% of your earnings, so be sure to account for that.
- Start your own independent fundraiser. There are numerous strategies you can take. Use Facebook to ask for donations. Hold a birthday party and ask for donations instead of toys or gift cards. Partner with a local charity like Kiwanis International or Shriners International. Connect with your church to co-host spaghetti dinner or pancake breakfast. The opportunities are endless!
Enjoy Your Bed!
Once your bed arrives, it’s time to get comfortable! You can connect with us on Facebook to watch useful videos, see how other families use their Safety Sleeper, and share your experience with us! If you need assistance in setting up your bed for the first time, read our Safety Sleeper assembly instructions and our warranty information.