Is home oxygen covered by insurance?
Oxygen concentrators, tanks, and supplies for use at home. Here’s how each kind of plan usually handles it.
- Employer or MarketplaceCovered with conditions
Usually covered when blood-oxygen tests show you need it.
More details
Plans cover home oxygen as with a prescription and test results showing low oxygen levels, often with and a contracted supplier.
Cost: DME cost sharing, often deductible plus coinsurance.
- Original MedicareCovered with conditions
Yes, Part B covers home oxygen when tests show you need it.
More details
Your doctor must document a qualifying condition and blood-oxygen test results. You rent the equipment for 36 months, and the supplier keeps maintaining it and providing oxygen for up to 24 more months.
Cost: 20% of the Medicare-approved monthly rental after the Part B deductible.
- Medicare AdvantageCovered with conditions
Yes, Medicare Advantage plans must cover home oxygen, but your plan sets the copay.
More details
Your doctor must document a qualifying condition and blood-oxygen test results. You rent the equipment for 36 months, and the supplier keeps maintaining it and providing oxygen for up to 24 more months. plans must cover this too, but set their own copays and often require providers and prior authorization.
Cost: Your plan’s copay or coinsurance: check the Evidence of Coverage.
- MedicaidCovered with conditions
Covered with your doctor’s paperwork and prior authorization.
More details
States cover home oxygen as medical equipment when tests show a medical need.
What usually has to be true
- A prescription, and test results showing your blood oxygen is low enough to qualify.
- Use the plan’s or Medicare’s contracted supplier.
Good to know
- Portable concentrators may need separate approval.
Related
- CPAP machine · CPAP or BiPAP for sleep apnea, plus masks and supplies.
- Hospital bed for home · Adjustable hospital beds for use at home.
Sources
Typical rules for 2026 plans, checked against these sources on October 20, 2026. Your plan’s own documents decide.
- 1What Marketplace plans cover
HealthCare.gov
Marketplace plans cover outpatient care, hospitalization, mental health care, prescription drugs, rehabilitation, laboratory services, preventive services, and other essential benefit categories.
- 2Oxygen equipment & accessories
Medicare.gov
Part B covers rented oxygen equipment and supplies for home use when your doctor documents a qualifying condition and blood-oxygen test results. You rent the equipment for 36 months; the supplier then keeps providing it for up to 24 more months.
- 3Durable medical equipment coverage
Medicare.gov
Part B covers qualifying DME including CPAP, walkers, wheelchairs, and scooters. After the deductible, patients generally pay 20% when assignment rules are met.
- 4Compare Original Medicare and Medicare Advantage
Medicare.gov
Medicare Advantage plans cover everything Original Medicare covers (except hospice, which Original Medicare continues to pay), usually use provider networks, often require referrals or prior authorization, and may offer extra benefits such as dental, vision, and hearing.
- 5Mandatory and optional Medicaid benefits
Medicaid.gov
States must cover mandatory benefits such as inpatient and outpatient hospital care, physician services, laboratory and X-ray services, home health, and nursing facility care; many other benefits, including adult dental, vision, and prescription drugs coverage details, are state options.
General information about how coverage usually works, not a decision about your plan. Your plan documents and insurer have the final word.