Are medical alert systems covered by insurance in 2022? - Care.com (2023)

Nonfatal falls cost Medicarenearly $30 billionper year and Medicaid spends about $9 billion. These numbers cover direct costs, such as hospital bills or rehabilitation therapy, but do not take into account costs related to long-term complications. The elderly usually bear these expenses, which is difficult for beneficiaries of fixed income pension funds or social security contributions. About133,000 seniorsdeclare bankruptcy in the United States every year, in part due to high medical expenses.

Seniors Can Prevent Some Fall-Related Injuries — And The Costs That Come With Themmedical alarm systems. Unfortunately, these handy devices are rarely covered by insurance. We recognize that it can be difficult to navigate the benefits offered by different insurers, so we've compiled some important information below for seniors looking to get coverage for their medical alert systems.

Do you need a medical alarm system?

If you are not eligible for reimbursement from your insurance company, you may be wondering if you really need a medical alert system. Medical alert systems provide 24/7 surveillance for active seniors, giving you the freedom to age at home - even when caregivers aren't available. If you need help, press the button and request emergency assistance. Many systems are equipped with automatic fall detection, so you can get help even if you are unconscious or unable to press the call button.

Medical alert systems help prevent complications from unexpected falls. When you're in pain, every second counts, whether you're having a heart attack or struggling to move a dislocated hip. In addition, more modern devices likeMedical alert smartwatchesoffer additional benefits beyond emergency monitoring, including voice-to-text messaging, step tracking, a thin and light design, and much more. Purchasing one of these medical alert systems can help ensure you get the help you need in an emergency, and it gives you some everyday benefits that can help you stay healthy and connected.

Does Medicare cover physician alert schemes?

About64 million seniorsreceive coverage through Medicare, a government health insurance program for senior or disabled citizens. This national insurance program covers essential expenses such as prescription drugs and hospitalization, but currently generally does not provide coverage for medical alert schemes. Seniors pay a monthly premium for Medicare Part B and Medicare Part C, and some Medicare beneficiaries are also responsible for paying for Part A coverage.

Medicare Part A

Medicare Part A covers eligible hospital and assisted living expenses. The elderly receive support for hospitalization, surgery, nursing services and palliative care. Medicare Part A beneficiaries may also be reimbursed for home health services such as

Medicare Part B

Medicare Part B covers medically necessary expenses, including X-rays, CT scans, MRIs, prescription drugs, and visits to GPs and specialists. Some seniors are eligible for medical device reimbursement, but this usually does not include any of the costs.best medical alert systems.

Medicare Part C

Medicare Part C is also known as Medicare Advantage. This is more of a supplemental health plan than a standalone Medicare plan, so you can only get it if you're already insured. Of all the Medicare plans available, Medicare Part C generally offers the most coverage for medical alert systems.

There is no guarantee that seniors will receive coverage for a Medicare Part C Alert Scheme, but they may qualify if they can show that it is medically necessary. You can work to verify the need for a medical alert system by obtaining referrals from doctors or showing that you have a condition such as dementia or post-concussion syndrome that could benefit from using a device.

Medicare Part D

Medicare Part D focuses on reimbursement for prescription drugs. You may not use it for medical alert systems or other medical devices.

Does Medicaid cover medical alert systems?

Low-income seniors may qualify for Medicaid and Medicare coverage. Medicaid plans generally do not cover medical alert systems, but you can apply for assistance from a Medicaid waiver through the Home and Community Based Services program or the Personal Care Attendant program. Participation varies by state, so different exemptions may be available in your area.

Medicaid beneficiaries can also contact their insurance program or local welfare agency for information about Money Follows the Person. This program is offered in most states and covers necessary medical equipment. The program is designed to help seniors transition from nursing homes to their own homes so they can grow old there. It goes by several names, including Kentucky's Transition Program, Colorado's Access to Transitions and Community Service (CO-ACTS), and My Place Louisiana.

Before qualifying for a Money Follows the Person program, a senior must have resided in a nursing home for at least 90 days and be actively enrolled in Medicaid. Once these qualifications are met, potentially eligible seniors must undergo an assessment to determine what services or services are available.home modificationsYou must age safely at home. The agency may determine that an older adult needs a wheelchair ramp, adaptive lighting, or other significant safety modifications. Seniors can also receive a service animal refund.

Can seniors get financial assistance for medical alert systems?

Contact your local aging agency for assistance in locating an aging center in your area. Senior centers offer free or discounted meals and socializing opportunities, but some of them also offer grants and stipends for medical needs.

You may also find support options by contacting your state's Department of Mental Health. This agency connects disabled adults with resources for personal care and general living expenses, as well as expenses related to health-related needs.

A Veterans Affairs Bureau is an option for seniors who have served in the military or are married to a spouse who has. Dial 2-1-1 on your phone for help locating the above agencies, as well as other potential financial aid options.

Contact providers of medical alert systems

Several providers of medical alert systems, including MobileHelp and Medical Guardian, offer discounts to new subscribers after committing to a subscription. Monthly charges are not free for these subscriptions, but you may qualify for a free device. Call a few different medical alert system providers and ask what options they have for budget-conscious seniors. You may find that the monthly cost of the service is lower than you expected, even after accounting for shipping or activation fees.

Watch out for companies that require a long-term subscription if you're on a tight budget. Life Alert is a reputable company known for its superior customer service and prompt medical attention, but it does require a 3 year commitment. This isn't ideal for seniors who struggle with the monthly subscription cost; therefore, consider a plan with a monthly or quarterly option. You can also look for a company that offers a free trial or a no-call cancellation period.