Free Planning Tool
Should You Buy or Rent a Hospital Bed?
Answer 3 quick questions to get a side-by-side cost breakdown for both semi-electric and full-electric beds, including your Medicare savings and a clear recommendation.
1
Duration
2
Coverage
3
Budget
How long is the bed needed?
Enter your best estimate — this is the single biggest factor in the buy vs. rent decision.
For conditions that may progress, estimate on the longer side — you can recalculate anytime. Short-term recovery under 3 months almost always favors renting.
Please enter a valid duration to continue.
What coverage does the patient have?
This is the biggest cost variable in the entire calculation — pick the option that best describes their situation.
No Insurance / Self-Pay
Full cost out-of-pocket. Purchasing may offer better long-term value depending on duration.
100% out-of-pocket
Medicare Part B Only
Covers 80% of approved rental costs after your annual deductible. You pay the 20% coinsurance.
~80% of rental covered
Medicare + Supplement (Medigap)
Supplement covers most or all of the 20% coinsurance. Rental may cost very little out-of-pocket.
~95–100% of rental covered
Private / Employer Insurance — Enter My Coverage
Under 65, VA, Medicaid, or commercial plan? Enter your plan's specific DME coverage details.
Custom coverage
📄 Enter Your Plan's Coverage Details
%
$
$
💡 Where to find this: Check your plan's Summary of Benefits & Coverage (usually page 1–2). Look under "Durable Medical Equipment (DME)" for your coverage percentage and deductible. Call the member services number on your insurance card if unsure.
Please select your coverage type to continue.
What's your monthly out-of-pocket budget?
Drag the slider to your comfortable monthly spend. This helps us flag if your situation strains your budget.
Out-of-pocket per month
$200
$0$150$300$450$600+
📊 Your Analysis
Your Personalized Cost Breakdown
Here's the side-by-side for both bed types at your coverage level.
Side-by-Side Cost Comparison
| ⚡ Semi-Electric | 🔌 Full-Electric |
|---|
Breakeven Point
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Key Factors for Your Situation
| Parameter | Value | Note |
|---|
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Disclaimer: Estimates are based on typical Florida market pricing from our directory research (Winter 2025/26). Actual costs vary by supplier, location, and insurance plan. Always confirm pricing and Medicare acceptance directly with suppliers before placing an order. Not medical or financial advice.
Data sourced from RentalHospitalBed.com · Full Disclaimer
Data sourced from RentalHospitalBed.com · Full Disclaimer