How to get a Cubby covered
Most families pay $0 for their Cubby Bed through insurance or Medicaid. Eligibility varies by insurance policy and state.
- STEP 1
Tell us about yourself
Who does this step: YouGet startedClick get started to share your coverage and safety concerns, and we'll send personalized next steps for your family. Takes about 4 minutes.
- STEP 2
Get your documents
Who does this step: You + your loved one's doctor or therapistInsurance needs two documents from a clinician: a prescription (Rx) and a letter of medical necessity (LMN). One visit can often cover both.
1. Before the visit
Fill out the safety + concerns worksheet
List your loved one's safety concerns, nighttime incidents, and solutions that didn't work. Detail shows your doctor why a Cubby Bed is needed and becomes the backbone of the LMN.
Check your state's requirements
Rules vary by state. Some require an occupational or physical therapist (OT/PT) to write the LMN, so check before you schedule anything. A quick check saves a second visit.
Review the required documents packet
It includes the prescription form and instructions. Read it first, then print or share it with your doctor's office before the visit.
2. At the visit
The prescription gets written
Your doctor documents your loved one's safety concerns in their medical record, then writes the prescription. Any prescribing doctor on your loved one's care team can sign it, like a primary care doctor, pediatrician, or neurologist.
The LMN gets written or signed
An occupational or physical therapist (OT/PT) is the best fit. No OT/PT? Your doctor may be able to write the LMN, depending on your state's requirements. If an OT or PT is required, your doctor can help refer you to one. A strong LMN covers the safety concerns, what you've tried that didn't work, and why an enclosed safety bed is medically necessary. Your worksheet hands them all three.
Clarify who’s sending your documents
These documents go to a supplier (DME) next, and the supplier is your choice. Some offices send them for you, others hand them to you. Before you leave, ask which. If they send them, they'll need your supplier's name and contact info, which step 3 helps you choose. If you send them, make sure everything is signed.
3. After the visit
Follow up with your doctor or therapist to confirm both documents are finalized and signed. Your supplier can't submit the claim without signatures, so it's worth checking before you move on.
- STEP 3
Work with a medical supplier
Who does this step: You, then the supplierTo use insurance, you'll work with a medical supplier (DME). They submit your request to your insurer and order your Cubby Bed once it's approved. Cubby doesn't bill insurance directly.
Use the Supplier Locator to find one near you who provides the Cubby Bed and takes your insurance. Can't find one nearby? Your doctor may be able to refer you to a medical supplier that works with your insurance.
You can get your prescription and LMN to your supplier in two ways:
- You send them directly. If your doctor's office gave you the signed documents, send them to your supplier via their preferred method.
- Your doctor’s office sends them. Give them your supplier's name and fax or contact information.
Confirm your supplier received everything. They'll use your documents to submit the request to your insurer, and they're your main contact for updates from here.
Already have a supplier? Share your documents and skip ahead.
Stuck, or not sure your supplier can bill for a Cubby Bed? Email Hello@CubbyBeds.com.
- STEP 4
Insurance reviews your claim
Who does this step: Your insurer (your supplier stays on it)Your supplier submits the claim, and your insurer reviews it against your benefits. Timelines vary by plan, state, and situation, so check in with your supplier for status.
Denied? Don’t stop here. Your next steps are below.
If approved: Your supplier orders your Cubby Bed.
If denied: Many families get a denial before they get an approval, and most plans allow appeals. Start with the Appeals + Denials Guide, then contact your supplier. They know your plan and can guide next steps, including whether an appeal makes sense.
- STEP 5
Receive + register your Cubby
Who does this step: Your supplier, then usRegister your CubbyOnce approved, your supplier orders your Cubby Bed and coordinates delivery and next steps, including assembly options when available. When it arrives, register your bed to activate your warranty and ongoing support.
You bring the nights.
We bring the Care Team.
Real people on our Care Team guide you through the process. Anna, your virtual guide, emails resources and next steps matched to where you are, at your pace.
- Personalized + guided support
- Helps you get the documentation right the first time
- Helps you understand your options if a claim is denied
Frequently asked questions
It depends on your plan and coverage. Many families pay little to nothing when it's covered. Get started for personalized next steps.
Often, yes. Many plans, including Medicaid in many states, cover it as durable medical equipment when medically necessary. Coverage varies by plan and state, and your supplier confirms yours.
Timing varies by insurance plan and situation. It depends on how quickly you can gather your documents and connect with a medical supplier, plus how long your insurer takes to review the request. Starting each step as soon as you're able helps keep things moving.
An LMN explains why your loved one needs a Cubby Bed. An occupational or physical therapist (OT/PT) is the best fit. No OT/PT? Your doctor may be able to write the LMN, depending on your state's requirements. If an OT or PT is required, your doctor can help refer you to one. A strong LMN covers the safety concerns, what you've tried that didn't work, and why an enclosed safety bed is medically necessary. Your safety + concerns worksheet hands them all three.
A denial isn't the end. Many families face one on the way to approval, and most plans allow appeals. Start with the Appeals + Denials Guide, then contact your supplier, who knows your plan and can guide next steps.
Your Cubby checklist, ready to go
We'll send a downloadable checklist that walks you through every step to getting a Cubby.
By signing up, you agree to get emails from Cubby Beds. You can unsubscribe anytime.