Will Medicare or Insurance Pay For Life-Saving Medical Alert Systems?
Carli De La Cruz
September 16, 2015
Will my insurance company pay for the cost of a medical alert system? Will Medicare or Medicaid reimburse me for my monthly expenses? Do you offer any member discounts?
We get these questions a lot from our customers. In the following article, we’ll examine your insurance options and breakdown the answers to these questions
Medicare and Health Insurance Companies
Medical alert systems greatly increase the quality of life for seniors. They allow the elderly to enjoy living in the comfort of their own homes, knowing that medical help is available to them 24/7. They send emergency help over to the home promptly and save hundreds of lives per day.
Although no one doubts their effectiveness, for the most part, insurance companies and Medicare will not cover the cost of these life-saving alert buttons.
However, we encourage our customers to call their insurance provider to check if they qualify for reimbursement. Occasionally, insurance companies will pay for the alert system if the individual’s circumstances merit it. Usually, a doctor’s recommendation is required before an insurance company will issue a reimbursement.
Long-Term Care Insurance
If you have Long-Term Care Insurance, you may qualify for reimbursement of your med alert service. Long-Term Care Insurance helps aging seniors with medical disabilities pay for home care services.
Long-Term Care Insurance includes the cost of durable medical equipment. Call your insurance provider to see if you qualify for medical alert coverage.
What To Do If Your Insurance Won’t Cover Medical Alert System Use
If you can’t afford service and your insurance refuses to cover the expenses, call your local Area on Aging office. They provide resources for older adults and those with disabilities who cannot afford certain health services. They may be able to offer you financial assistance.
Medical Alert Provider Discounts
If all else fails, check with your medical alert provider to see if there are any discounts available that you may qualify for.
Many providers offer discounts if you are a member of certain organizations. For example, Bay Alarm Medical offers discounts to members of AARP, AMAC, and USAA. You may be eligible for a discounted monthly service rate as long as you can provide and verify your membership ID or #.
Furthermore, most medical alert companies offer flexible payment styles. These plans allow you to pay month to month, three months at a time, or the ability to prepay for half a year or a full year. (By the way, for lots of retail shopping discounts, check our senior citizen discounts list.)
Tips To Save You Money
Before choosing a provider, find out what your total upfront costs. Be wary of any hidden equipment fees, activation fees, shipping fees, or security deposits.
Carefully read any contracts or service agreements so that you’ll be aware of any cancellation fees and special clauses. Ask what will happen if you should need to cancel the service abruptly.
Other Medical Alert System Resources
If you would like to know more about what to expect when signing up for medical alert service, check out our blog post on questions to ask before purchasing a medical alert system, and our FAQ page to get answers to our most commonly asked questions. You may also want to compare our cost with the Philips Lifeline cost – you’ll be pleasantly surprised to see how much more affordable we are.
Our friendly Senior Care Consultants are available to discuss your options. We will answer all your questions honestly and thoroughly. No surprises here! Just give us a call toll-free at 1-877-522-9633. Talk to you soon!