Medicare Part B and Medicare Advantage plans typically cover walkers as Durable Medical Equipment (DME). Coverage is available when a walker is deemed medically necessary by a licensed healthcare professional, a valid prescription is provided for the required type of walker, and the equipment is obtained from a Medicare-approved supplier.

A walker is considered medically necessary when a licensed healthcare professional determines that it is required to help you move safely within your home. This need must result from a medical condition, injury, or surgical recovery.

Common situations where a walker may be deemed medically necessary include recovery following hip or knee surgery, balance impairments related to neurological conditions, weakness or instability caused by chronic illness, and rehabilitation after a stroke or injury.

Durable Medical Equipment (DME) refers to medical equipment that is prescribed by a healthcare professional for use in the home to support a medical need. To qualify as DME, an item must meet specific criteria established by Medicare and other insurers.

An item is generally considered Durable Medical Equipment if it:

• Is durable and can withstand repeated use

• Is used for a medical purpose

• Is not useful to someone without an illness or injury

• Is appropriate for use in the home

• Has an expected lifespan of three years or more

Durable Medical Equipment (DME) coverage under Medicare depends on the type of Medicare plan you have.

Medicare Part B

Medicare Part B covers most Durable Medical Equipment when it is:

• Medically necessary

• Prescribed by a licensed healthcare professional

• Used in the home

• Obtained from a Medicare-approved supplier

Examples of DME covered under Part B include walkers, wheelchairs, rollators, blood pressure monitors, hospital beds, and oxygen equipment. In most cases, Medicare Part B covers 80% of the approved amount after the deductible is met, with the remaining balance paid by the patient or supplemental insurance.

Medicare Advantage (Part C)

Medicare Advantage plans (Part C) are offered by private insurance companies approved by Medicare. These plans are required to cover at least the same DME benefits as Medicare Part B, and some plans may offer additional coverage or lower out-of-pocket costs.

Coverage rules, prior authorization requirements, and cost-sharing may vary depending on the specific Medicare Advantage plan.

Medicare Part A

Medicare Part A generally covers DME only when it is provided during an inpatient hospital stay or as part of care in a skilled nursing facility. It does not typically cover DME for home use once you are discharged.

Medicare Part D

Medicare Part D covers prescription medications only and does not cover Durable Medical Equipment.

Important Note

Coverage for Durable Medical Equipment varies based on medical necessity, insurance plan, and supplier eligibility. Always confirm coverage details with Medicare or your insurance provider.

For more information about Medicare coverage for Durable Medical Equipment, visit Medicare’s official resources at www.medicare.gov/coverage/durable-medical-equipment-dme-coverage or learn more about Medicare Parts and benefits at www.medicare.gov/basics/medicare-basics/parts-of-medicare.

Step 1: Visit Your Healthcare Provider

Your doctor or licensed healthcare professional must determine that the equipment is medically necessary based on your condition, injury, or recovery needs.

Step 2: Get a Prescription

If DME is required, your healthcare provider will issue a prescription or written order specifying the type of equipment you need.

Step 3: Confirm Medicare Coverage

Verify that the equipment is covered under Medicare Part B or your Medicare Advantage plan. Coverage requirements and cost-sharing may vary depending on your plan.

Step 4: Choose a Medicare-Approved Supplier

Select a supplier that is enrolled in Medicare and authorized to provide DME. Using a Medicare-approved supplier is required for coverage.

Step 5: Receive Your Equipment

Once the order is processed, the supplier will deliver or arrange pickup of your equipment and provide instructions for proper use.

Step 6: Pay Your Share

After meeting your Part B deductible, Medicare typically covers 80% of the approved amount, with the remaining balance paid by you or your supplemental insurance.

Important Note

Coverage, eligibility, and out-of-pocket costs depend on medical necessity, plan type, and supplier participation. Always confirm details with Medicare or your insurance provider.

Out-of-pocket costs for Durable Medical Equipment (DME) through Medicare can vary depending on your coverage, the type of equipment prescribed, and your individual insurance plan.

Medicare Part B

Under Medicare Part B, once you have met your annual deductible, Medicare typically covers 80% of the Medicare-approved amount for eligible DME. You are generally responsible for the remaining 20% coinsurance, unless you have supplemental insurance that covers this portion.

Medicare Advantage (Part C)

Medicare Advantage plans must cover at least the same DME benefits as Original Medicare, but out-of-pocket costs may differ. Some plans offer lower copayments, fixed fees, or additional coverage, while others may require prior authorization or use of in-network suppliers.

Rental vs. Purchase

Some DME items are rented rather than purchased, which may result in monthly coinsurance payments instead of a single cost. The length of the rental period and your share of the cost depend on the type of equipment and Medicare guidelines.

Items Not Covered

If equipment is not deemed medically necessary, is obtained from a non-Medicare-approved supplier, or falls outside Medicare coverage rules, you may be responsible for the full cost.

Important Note

Out-of-pocket costs vary by plan, medical necessity, and supplier participation. For the most accurate and up-to-date information, visit www.medicare.gov or contact your insurance provider directly.

Navigating Durable Medical Equipment (DME) coverage through Medicare can feel overwhelming. Understanding common challenges—and how to address them—can help make the process smoother and more successful.

Challenge: Medical Necessity Not Approved

How to Overcome It:
Work with your healthcare provider to ensure your medical records clearly document why the equipment is needed. Detailed clinical notes and an accurate prescription can help support coverage.

Challenge: Using a Non-Medicare-Approved Supplier

How to Overcome It:
Always confirm that your supplier is enrolled with Medicare before ordering equipment. Using a Medicare-approved supplier is required for coverage under Medicare Part B.

Challenge: Unexpected Out-of-Pocket Costs

How to Overcome It:
Review your Medicare plan details in advance, including deductibles and coinsurance. If you have a Medicare Advantage or supplemental plan, contact your insurer to understand how costs may differ.

Challenge: Delays Due to Missing Documentation

How to Overcome It:
Make sure all required paperwork—including prescriptions, medical necessity documentation, and insurance information—is completed and submitted promptly.

Challenge: Equipment Not Covered or Limited Coverage

How to Overcome It:
If coverage is denied, ask your provider or supplier about alternative equipment options that may meet Medicare requirements, or inquire about the appeals process if appropriate.

Important Note

Coverage decisions depend on medical necessity, documentation, and plan guidelines. For official Medicare information, visit www.medicare.gov.

If you believe Durable Medical Equipment (DME) may be right for you, taking the next steps can help ensure you receive the appropriate equipment with minimal delays.

Start by speaking with your healthcare provider to determine whether the equipment is medically necessary and appropriate for your condition. If DME is recommended, ask for a prescription or written order that specifies the type of equipment you need.

Next, review your Medicare coverage or Medicare Advantage plan to understand your benefits, potential out-of-pocket costs, and any authorization requirements. Choosing a Medicare-approved supplier is an important part of ensuring coverage and avoiding unexpected expenses.

If you have questions or need guidance, our team is available to help explain options, review documentation requirements, and assist you through the process.

Learn More

For additional information about Medicare coverage for Durable Medical Equipment, visit www.medicare.gov.