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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case.
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101.

The rules say that an air-fluidized bed is covered only if all the following criteria are met:

1. The beneficiary has a stage 3 (full thickness tissue loss) or stage 4 (deep tissue destruction) pressure ulcer
2. The beneficiary is bedridden, or chair bound as a result of severely limited mobility.
3. In the absence of an air-fluidized bed, the beneficiary would require institutionalization.
4. The air-fluidized bed is ordered in writing by the beneficiary's treating practitioner based upon a
comprehensive assessment and evaluation of the beneficiary after completion of a course of conservative
treatment designed to optimize conditions that promote wound healing. The evaluation generally must be
performed within one month prior to initiation of therapy with the air-fluidized bed.
5. The course of conservative treatment must have been at least one month in duration without progression
toward wound healing. This month of prerequisite conservative treatment may include some period in an
institution as long as there is documentation available to verify that the necessary conservative treatment was
rendered. Conservative treatment must include:

a. Frequent repositioning of the beneficiary with particular attention to relief of pressure over bony
prominences (usually every 2 hours); and

b. Use of a Group 2 support surface to reduce pressure and shear forces on healing ulcers and to prevent new
ulcer formation; and

c. Necessary treatment to resolve any wound infection; and

d. Optimization of nutrition status to promote wound healing; and

e. Debridement by any means, including wet-to-dry gauze dressings, to remove devitalized tissue from the
wound bed; and

f. Maintenance of a clean, moist bed of granulation tissue with appropriate moist dressings protected by an
occlusive covering, while the wound heals.

In addition, conservative treatment should generally include:

g. Education of the beneficiary and caregiver on the prevention and management of pressure ulcers; and

h. Assessment by a physician, nurse, or other licensed healthcare practitioner at least weekly, and

i. Appropriate management of moisture/incontinence.

6. A trained adult caregiver is available to assist the beneficiary with activities of daily living, fluid balance, dry
skin care, repositioning, recognition and management of altered mental status, dietary needs, prescribed
treatments, and management and support of the air-fluidized bed system and its problems such as leakage.
7. A treating practitioner directs the home treatment regimen, and reevaluates and recertifies the need for the
air-fluidized bed on a monthly basis.
8. All other alternative equipment has been considered and ruled out.

You can find this rule in the Local Coverage Determination (LCD) - Pressure Reducing Support Surfaces -
Group 3 (L33692) - Effective May 1, 2021.

If you want to read these Medicare rules, you can go to this website www.medicareappeal.com.

The Plan contract says that the Plan covers items and services in accordance with Medicare rules.