Once you’ve covered your yearly deductible, you’ll need to pay 20 percent Medicare-approved amount for purchasing or renting and maintaining a hospital bed.

Beyond comfort and support, the longevity of a mattress is also important. Investing in a high-quality mattress can save you money in the long run, as lower-quality options tend to wear out more quickly, leading to additional purchases. Most mattresses have a lifespan of about seven to ten years, so it's wise to choose one that stands the test of time.