Do You Own Your Durable Medical Equipment After Medicare Purchase?
If you rely on durable medical equipment (DME) for daily living, you may wonder: “Do I own this equipment after Medicare pays for it?” The answer isn’t always straightforward. Medicare policies vary depending on the type of equipment, supplier agreements, and rental vs. purchase options. Understanding these rules can save you money, ensure compliance, and even open financial opportunities. In this guide, we’ll break down Medicare’s DME ownership policies, what they mean for patients, and how you can leverage this knowledge for long-term success.
Understanding Medicare and Durable Medical Equipment
Medicare provides coverage for durable medical equipment that serves a medical purpose, is reusable, and is primarily used in the home. However, ownership rules differ based on whether the equipment is rented or purchased.
What Qualifies as Durable Medical Equipment (DME)?
Medicare defines DME as equipment that:
- Can withstand repeated use
- Is primarily for medical purposes
- Is prescribed by a doctor
- Is typically used at home
Examples include:
- Wheelchairs & scooters
- Oxygen equipment
- Hospital beds
- CPAP machines
- Walkers & canes
Medicare’s Purchase vs. Rental Policies
Medicare categorizes DME into two main types:
| Type | Ownership Rules | Examples |
|---|---|---|
| Purchase Option | You own the equipment after Medicare pays 80% (you cover 20%). | Wheelchairs, walkers, hospital beds |
| Rental Option | Medicare rents for 13 months; ownership may transfer after. | Oxygen equipment, CPAP machines |
Ownership After Medicare Purchase: What You Need to Know
If Medicare approves a purchase of DME, you typically own the equipment outright after payment. However, there are exceptions.
When Do You Fully Own DME After Medicare Purchase?
- One-Time Purchase: For items like wheelchairs or hospital beds, Medicare pays 80%, and you pay 20%. Once paid, it’s yours.
- Capped Rental Items: Some equipment (like oxygen concentrators) is rented for 13 months before ownership transfers.
- Replacement Rules: Medicare may cover replacements only if medically necessary (e.g., a wheelchair wears out).
What Happens If You No Longer Need the Equipment?
If you stop needing DME, you have options:
- Sell It: Some used DME has resale value.
- Donate It: Charities accept gently used medical equipment.
- Return It: If rented, suppliers may require return.
Pro Tip: Always check with your supplier before selling or donating to avoid penalties.
How to Maximize Your DME Benefits
Smart management of durable medical equipment can save you thousands and even generate income.
Step-by-Step: Ensuring Ownership After Medicare Purchase
- Verify Coverage: Confirm with Medicare or your supplier whether the item is purchased or rented.
- Understand Costs: Know your 20% responsibility under Medicare Part B.
- Keep Documentation: Save receipts and Medicare statements proving ownership.
- Check Resale Value: Some DME (like mobility scooters) can be resold for profit.
Financial Opportunities with DME Ownership
Owning DME can be a financial advantage:
- Resale Potential: High-demand items like power wheelchairs retain value.
- Tax Deductions: Medical expenses, including DME, may be deductible.
- Rental Income: Some patients rent out lightly used equipment.
Example: A lightly used power wheelchair purchased through Medicare could be resold for $1,500–$3,000.
Common Medicare DME Ownership Questions
Patients often have concerns about equipment ownership. Here’s what you need to know.
Does Medicare Ever Take Back DME?
Generally, no—once you own it, Medicare doesn’t reclaim equipment. However:
- If fraud is suspected, Medicare may investigate.
- Rental equipment must be returned if you stop needing it.
Can You Upgrade or Modify Owned DME?
Yes! Once you own the equipment, you can:
- Upgrade components (e.g., a better wheelchair cushion).
- Sell it and use funds toward a newer model.
Conclusion: Take Control of Your DME Ownership
Understanding Medicare’s durable medical equipment policies empowers you to make informed decisions. Whether you’re looking to save money, resell equipment, or ensure compliance, knowing your rights is key. For expert guidance on DME purchases and ownership, contact Dune Medical Devices today.
CTA: Visit https://dunemedicaldevicesinc.com/shop-2/ for more insights on maximizing your DME benefits!
FAQ Section
Do I own my wheelchair after Medicare pays for it?
Yes, if Medicare approves a one-time purchase, you own the wheelchair after paying your 20% coinsurance.
What happens if I no longer need my oxygen machine?
If rented, return it to the supplier. If owned, you can sell or donate it (check supplier policies first).
Can I resell my Medicare-covered CPAP machine?
Yes, if you fully own it. Ensure it’s sanitized and check local regulations on medical device sales.
Does Medicare cover repairs for owned DME?
Sometimes. Medicare may cover repairs if medically necessary and the equipment is still under warranty.
How do I prove ownership of my DME?
Keep your Medicare Summary Notice (MSN) and supplier receipt as proof of purchase.