Durable Medical Equipment

Durable medical equipment (DME) is the term insurers and clinicians use for reusable medical equipment that is prescribed as medically necessary and used in the home. Common examples include walkers and rollators, wheelchairs, bedside commodes, hospital beds, oxygen equipment, and canes.

Why the term matters

The DME label is important because it determines insurance coverage. In the U.S., Medicare Part B typically covers 80% of approved DME when a doctor prescribes it as medically necessary and it is bought from an enrolled supplier. By contrast, items classified as home modifications or "convenience" — like grab bars, shower chairs, and raised toilet seats — usually are not covered by Original Medicare.

Knowing whether an item counts as DME tells you which funding source to pursue. See our guide on how to pay for home safety equipment for the full picture, including FSA/HSA, Medicaid, and VA options.