How to Navigate Medicare and Insurance When Buying a Portable Oxygen Concentrator

Updated October 2026.

If you’re on oxygen, you may already have equipment provided through Medicare, Medicaid or private insurance. Many people don’t realize how much lighter and more flexible today’s portable oxygen concentrators (POCs) are — or how coverage affects getting one. Here’s a plain-language overview.

How Medicare covers oxygen

Medicare Part B covers oxygen equipment for home use when your doctor documents that you need it and you meet Medicare’s criteria. Key points from Medicare:

• Oxygen equipment is rented, not purchased. The rental period is 36 months, and monthly payments cover the equipment, supplies and maintenance.
• After 36 months, your supplier continues to provide equipment and service for up to 5 years from when you started.
• After you meet the Part B deductible, you generally pay 20% of the Medicare-approved amount.
• Medicare only pays for equipment from suppliers enrolled in Medicare.

Will Medicare pay for me to buy a POC?

Generally, no. Because Medicare covers oxygen as a rental through enrolled suppliers, it doesn’t pay for you to purchase a portable concentrator outright. Your supplier also decides which equipment to provide, which may not be the lightweight portable you want.

What about other insurance?

Supplemental and private plans vary widely. Some may help with out-of-pocket costs. Call your plan, ask specifically about portable oxygen concentrators, and get answers in writing.

Buying your own concentrator

Many people choose to buy a POC so they can pick the exact model that fits their lifestyle — lighter weight, longer battery, quieter operation. Our specialists can help you compare options, and we offer financing options.

Our new Florida showroom, coming soon, will let you see and try concentrators before you buy. In the meantime, call 1-800-941-1402 with any questions.

This article is general information, not legal or insurance advice. Coverage rules can change — confirm details with Medicare (medicare.gov) or your plan.