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Insurance + Medicaid Guide

Cubby Beds have many benefits for sleep, safety, and sensory regulation, however, insurance typically only reimburses a safety bed for significant safety concerns such as elopement, fall risk, self injury, seizures or other well documented behaviors that could cause injury. If your loved one may qualify, watch the video above and follow these steps:

1) Schedule a visit with your doctor

The purpose of this visit will be to get a prescription for a Cubby Bed. Focus on your kiddo's safety concerns during the appointment and clearly communicate why a Cubby Bed is medically necessary for your loved one.

2) Print the Insurance Packet for your visit

We've prepared an Insurance Packet with detailed information and templates to make things easier for you and your healthcare provider. Review it, print it out, and bring it to your appointment or email it to your doctor.


3) Document safety concerns + get a prescription

Obtain a prescription from your doctor (the prescription should be for a "Cubby Safety Bed") and make sure your doctor documents the safety concerns and need for a Cubby Bed in your kiddo's medical notes.

A Letter of Medical Necessity (LMN) is a letter written by healthcare professionals like your doctor, OT, PT, etc. These letters explain your kiddo's specific needs and why a Cubby Bed is medically necessary.

The LMN should include specific and detailed information about your kiddo's safety concerns, requirements, and how the Cubby Bed can help.

A complete guide to LMNs, as well as a LMN Template, can be found in our Insurance Packet link on this page.

If you or someone else wrote the LMN, make sure the healthcare provider who prescribed the Cubby Bed signs it as well, showing their agreement with the necessity of this solution.

Once you have your LMN, we offer a special service where a member of the Cubby Care Team can review your LMN and provide suggestions. They will carefully assess the content, ensuring it effectively captures your kiddo's specific needs and expresses how a Cubby Bed can address them. A team member will then reach out to provide personalized suggestions and recommendations to you. This service is completely optional, but it can be accessed here.

Durable Medical Equipment suppliers (DMEs) specialize in medical equipment and play a vital role in insurance claims. While we are the creators and manufacturers of the Cubby Bed, the DME is who will order your bed from us, streamline the insurance process, and handle the paperwork for you, increasing your chances of coverage. They will deal directly with your insurance company to get the Cubby Bed approved according to your coverage benefits. Here's how to get started:

1) To connect with a reliable DME, use our Supplier Locator Map. If you can't find one in your area, reach out to and we'll help.

2) When you first talk to a DME, it's important to tell them you would like a Cubby Bed and have gathered the necessary documents for insurance coverage.

You'll also want to confirm that:

  • They carry the Cubby Bed
  • They take your insurance
  • They service your area

Once those things are confirmed, the DME can start coordinating with your doctor to gather your prescription and LMN, and quickly begin the process for you.

3) Regularly reach out to your DME to check if they have obtained a quote for your Cubby Bed from us.

4) To ensure a smooth process and assist you better, we kindly ask that you provide us with the quote number for your Cubby Bed once you receive it from your DME. Unfortunately, they are unable to share your contact information and quote number with us directly. This important step will not only ensure continued communication with your DME, but also help prevent any potential delays. It is also valuable information for tracking your order and addressing any questions you may have regarding Cubby Beds.

You can provide us with your DME quote number using this form.

Once your DME has everything that is required, they will submit your insurance claim and deal directly with your insurance company to get your Cubby Bed approved according to your coverage benefits. Depending on your insurance provider, location, and specific situation, the approval process can take some time. Be sure to follow up regularly on the status of your claim.

It's very common to get a denial on first submission. If this happens to you, don't worry, you're not alone! Many families have successfully appealed and won.

Here's what you can do to initiate the appeal process:

1) Review our comprehensive Guide on Appeals and Denials. It provides valuable information and strategies, including our LMN Checklist + Denial Reasons guide.

2) Our Cubby Care Team is ready to assist you if you'd like us to review your documents and provide recommendations.


Remember, the appeal process takes time and every case is unique. Stay patient and hopeful!

If you've reached this step, congratulations, you're on your way to better sleep and safer nights!

Your Cubby Bed will be with you shortly. If you worked with a DME and they are handling the delivery, contact them directly for details and specific instructions.

Our team is also here to support you every step of the way. If you have any questions or need assistance, reach out to us at

  • This bed has saved my son twice!

    This bed has saved my son twice! Our insurance paid for it and we are forever grateful! Thank you Cubby Beds!

    This bed has saved my son twice! Our insurance paid for it and we are forever grateful! Thank you Cubby Beds!


Still Have Questions?

The Cubby Care Team is here to help with absolutely anything you need!

We can answer questions, guide you through the process, review documents, talk to providers, and offer advice. Don't hesitate to reach out!

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