This content is for general informational purposes and does not constitute medical, legal, or financial advice. Healthcare rules and costs change annually. Last reviewed: January 1, 2025. Always verify current details with your insurer, employer, or a licensed healthcare navigator.
Durable Medical Equipment (DME)
Reusable medical items — like wheelchairs, CPAP machines, and blood glucose monitors — covered by insurance.
Full Definition
Durable Medical Equipment (DME) refers to medically necessary equipment prescribed by a doctor for use at home. To be classified as DME, items must be durable (able to withstand repeated use), used for a medical reason, not useful to someone who isn't sick or injured, and used in your home. Common examples include wheelchairs, walkers, hospital beds, CPAP machines, blood glucose monitors, nebulizers, and crutches. Medicare Part B covers 80% of approved DME costs after the deductible; most private plans also cover DME with prior authorization.
Real-World Example
Your doctor prescribes a CPAP machine for sleep apnea. Your insurer requires prior authorization. Once approved, they cover 80% of the rental cost (or purchase price) as durable medical equipment. You pay the remaining 20% coinsurance.
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