Are Senior Medical Alert Systems Covered By Insurance?
For caregivers who are looking to purchase a home medical alert system all have the same question,” Will my insurance cover the expense for a home medical alert system?” The answer to that is that it depends on the type of insurance coverage you have.
Home medical alert systems are very beneficial to the elderly using them and serve as a sense of relief and comfort to the loved ones around them. Instead of paying for a senior living center, which can be very expensive, having a home medical alert system can be an inexpensive alternative allowing seniors to age in the comfort of their own home. Assistance and medical attention can be called upon 24 hours of the day, 7 days a week, 365 days a year with a push of a button. Although the benefits are transparent and saves many lives, Medicaid and Medicare do not cover these in-house devices. I still highly recommend you to contact your insurance provider because occasionally they will reimburse you for the equipment, especially if you have a doctor’s recommendation for a home alert system.
There are three types of services that home medical alert systems provide and they all vary in price. The best coverage would be the monitored monthly fee in which you have access to a dispatcher’s assistance in a click of a button for 365 days of the year. You can also chose a cheaper route of a pre-programmed call with no monthly fees. This requires the patient to go through a series of phone calls to get the needed help. Last but not least, there is monitored mobile option with a monthly fee for those who travel and spend a great deal of time away from their homes. As these services vary beyond just these parameters, I would ask your provider which would suite your situation the best.
Purchasing a home medical alert system can come with variety of costs. There is a cost for the equipment needed such as the actual monitor system as well as some sort of alert pendant. On top of the equipment, most if not all companies will charge you will an instillation fee if they are coming to your house or a shipping fee if they are shipping it to your house for you to install. Those are the one time fixed costs but there are also monthly costs that vary in price all depending on the type of plan you decide to sign up with.
People with long term insurance coverage may be eligible for coverage on a home alert medical system because these types of insurances are geared towards assisting the elderly in age in place. There are in home care service policies so again I would recommend contacting your insurance provider. If you contact your insurance and they are not willing to provide coverage for a home medical alert system and you cannot afford a system without coverage, I recommend you try contacting the local Area for Aging office as they may be able to provide you with some sort of help in financing the device and system.
There are home medical alert systems that require a contract for their services. I would suggest straying away from those just for precautionary reasons of needing a refund or cancellation in the future. Whether or not you use a home alert system with a contract or not, make sure to read all of the service agreements and fine print as there may be hidden cancellation fees and specialty clauses. Again, the best suggestion would be to contact your provider and ask because although medical alert expenses are not covered, they maybe willing to reduce the monthly cost. Coverage is often offered on an individual basis so therefore exceptions can be made based on the patient’s circumstance or situation.
As the last option, if you can afford to and do choose to pay for the equipment and service, the cost may seem expensive initially but remember that there is no price you can put on security and peace of mind for not only the elderly but also the whole family as well!