Rentals
Insurance Coverage for Hospital Beds in Ontario
At PrimeMedEssentials, we understand that purchasing a hospital bed for home care is a significant decision. The good news is that many patients in Ontario can have their hospital bed covered partially or fully through insurance when it is medically required.
We specialize in supplying hospital-grade and homecare beds and assist our customers throughout the insurance process to make it as simple and stress-free as possible.
Can Insurance Cover a Hospital Bed in Ontario?
Yes. Hospital beds are commonly covered by extended health insurance plans in Ontario when prescribed by a physician.
Insurance providers typically classify hospital beds as durable medical equipment (DME) when required for:
- Home care and long-term care
- Post-hospital or post-surgery recovery
- Mobility limitations
- Chronic illness or disability support
Coverage levels depend on your individual insurance plan and provider.
What Do You Need to Submit to Insurance?
To submit a hospital bed claim, insurance companies generally require two key items:
1. Doctor’s Prescription
A licensed physician must provide a prescription stating that a hospital or home care bed is medically necessary. This prescription should include:
- Patient’s name
- Medical reason for the bed
- Type of bed required (full electric)
2. Quote From PrimeMedEssentials
PrimeMedEssentials will provide a detailed, insurance-ready quote for the hospital bed you select.
This quote can be submitted directly to your insurance provider along with the prescription.
Once reviewed, your insurance company may reimburse you or cover a portion of the cost, depending on your plan.
Insurance Providers That Commonly Cover Hospital Beds
Many major Canadian insurance companies offer coverage for hospital beds under extended health benefits, including:
- Green Shield Canada
- Manulife
- Sun Life
- Canada Life
- Blue Cross
- Desjardins Insurance
- Industrial Alliance (iA)
- And other private insurance providers in Ontario
If you are unsure whether your plan includes hospital bed coverage, our team at PrimeMedEssentials is happy to help guide you.
Why Choose PrimeMedEssentials?
Ontario-based hospital bed supplier
- High-quality, hospital-grade and PSW-friendly beds
- Insurance-ready quotes provided quickly
- Experience working with extended health insurance claims
- Support for private homes, seniors, and caregivers
Our goal is to ensure you receive the right hospital bed with minimal out-of-pocket cost whenever possible.