Skip to main content

Navigating the Insurance Maze to Secure a Safe Bed for Your Special-Needs Child

  • Published: 2017-01-09 - Contact: SleepSafe at
  • Synopsis: Article assists parents with special-needs children navigate the medical necessity and insurance maze when it comes to providing a safe bed for their child.

Main Document

"Beds designed for special-needs children must, above all else, be safe. Entrapment and falls are real concerns, especially if these vulnerable children are restless or don't have full control over their body movements..."

What does it take to keep a child safe at night? While you may have immediately thought about baby monitors and other child-safety devices, those caring for special-needs children must often fight to get insurance companies to cover medically necessary beds. At issue: the cost of providing high-quality beds that take into account a child's specific needs.

"Beds designed for special-needs children must, above all else, be safe. Entrapment and falls are real concerns, especially if these vulnerable children are restless or don't have full control over their body movements," explains Rachel Markwood, patient advocate for SleepSafe Beds, the pioneer in providing medically prescribed beds for children with special needs, particularly those with physical and cognitive disabilities.

SleepSafe Beds' patented bed systems are providing a better and safer night's sleep for children diagnosed with a wide range of conditions, including such well-known ones as Cerebral Palsy, Autism Spectrum Disorders, Cystic Fibrosis, Rett Syndrome, Muscular Dystrophy, Down Syndrome, Angelman Syndrome, Mitochondrial Disease, Aicardi Syndrome, PCDH19 Epilepsy, MPS III (Sanfilippo syndrome) and Congenital Diaphragmatic Hernia, as well as those dealing with traumatic brain injuries and tracheostomies.

Tips to Help You Select the Right Bed for Your Special Needs Child

Navigating insurance company approval

"Getting insurance companies to approve a special-needs bed is rarely simple and never guaranteed," says Markwood. "It's common for people to be denied by the insurance companies on their first attempt. You could be denied several times. Persistence is generally rewarded. We encourage people to call our office if they need guidance."

Markwood says that SleepSafe Beds has, by necessity and volume, become a trusted resource in this area. The company is a nationally recognized leader in providing high-quality, customized beds for special-needs children.

She adds that, "Our staff is on the phones every day assisting parents and therapists who are trying to get insurance approvals. It's an advantage that our products meet and exceed FDA standards. All of our bed models are typically covered by private insurance and Medicaid."

A prescription doesn't guarantee insurance company coverage

Markwood stresses, that after 15 years in business, the staff has dealt with nearly every insurance-related issue. "Our office should be on the list of people you call for help. We try to know what works."

She outlines some of the steps that should be taken to navigate the insurance maze:

How to improve your Letter of Medical Necessity

While SleepSafe Beds is prohibited by law from writing Letters of Medical Necessity, the company's experts act as advisors on a daily basis. Their guidance provides important insights including:

If you think your letter is as good as it's going to get, and you're still being denied, insist on an in-person or phone interview with your insurance company. By law, they must have an attorney present. They may opt to approve your request rather than incur that added expense.

Helpful examples of Letters of Medical Necessity are available on the SleepSafe Beds website.

For more information about gaining insurance approval for a medically necessary special-needs bed, call 866-852-2337 or visit or the SleepSafe Facebook page.

*The Food and Drug Administration has identified seven zones of bed entrapment:

Learn More About Medical Necessity

Medical necessity is a United States legal doctrine, related to activities which may be justified as reasonable, necessary, and/or appropriate, based on evidence-based clinical standards of care. The term clinical medical necessity is also used.

A Certificate of Medical Necessity(CMN) is a piece of paper required by Centers for Medicare and Medicaid Services to substantiate the medical necessity of an item of durable medical equipment furnished to a Medicare beneficiary. It is essentially like a detailed prescription.

A Letter of Medical Necessity (LOMN) is an essential part of a request for services, medication, or medical equipment, and can be used in a wide range of issues, such as being submitted to a private insurance company or other funding source, or a governmental agency. A Letter of Medical Necessity should contain information needed to convince the recipient that the requested service/product is necessary to meet the medical needs of the person for whom the service is being requested.

Related Information:

  1. Height Adjustable Examination Beds in Doctors Surgeries for Disability Access - Doctors surgeries to have height adjustable examination beds for better access to medical care for people with a disability - Australian Human Rights Commission
  2. Sudden Infant Death Syndrome (SIDS) and Unsafe Bedding - Nearly 55% of U.S. infants are placed to sleep with bedding that increases risk of sudden infant death syndrome or SIDS - NIH/National Institute of Child Health and Human Development
  3. Children with Autism and Associated Sleep Disorders - Article examines various sleep related disorders often experienced by children on the autism spectrum - Disabled World
  4. Eczema: Contact Dermatitis & Skin Rash - Information on Eczema also called contact dermatitis a group of skin conditions that cause dry hot and itchy skin rash.
  5. Preventing Shocks from Static Electricity - Information on how to stop getting shocked from electrostatic discharges in your home car and wheelchair - Ian Langtree


     What will I receive?
Finance icons
for low income singles, families, seniors and disabled. Programs include grants, home ownership, vehicle modification loans, personal loans and scholarships.
  1. Consuming Up To 10 Portions of Fruit and Vegetables a Day May Prevent Premature Death
  2. Sweet Honey in the Rock - African Music by Female Cappella Group
  3. North America Wheelchair Accessible Vehicle Conversion Market
  4. Japan's Adoption of Universal Design Ahead of Tokyo 2020 Paralympic Games
  5. Sustaining a Career After Acquired Hearing Loss