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I know medicare does cover beds. Again a good resource is a medical supply and you will need a doctors prescription. They dont all carry the same products so ask detailed questions on demensions and adjustments. The first company I worked with delivered a manual adjustment bed. I sent it back and went to another company.
If you find a good medical supply and give them your doctors name and phone and fax numbers they can expedite for you.
You can find online replacement chair legs in a shorter length. Also a wood worker could shorten legs for you. Due to the pain in her knees my dad had to raise furniture to a height that was easier for my mom to sit and rise from. In later years she used her wheelchair when she sat at the kitchen table. Otherwise she used a lift chair. Her hospital bed was too high for her the last year or so. We had to remove the rollers. That would be the problem for your mom. The beds will probably be too high. A low profile twin bed with a good mattress and waterproof mattress cover might be better for her.
Frequent trips to the bathroom and proper disposable underwear would help save the furniture as well as protective pads. With knee pain your mom may be putting off those trips. So a bathroom schedule may be helpful to get ahead of accidents.
I hope this helps.