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Medical alert systems are life-saving devices that can connect seniors with a monitoring center at the press of a button. Unfortunately, the cost of these devices can be prohibitive for many seniors. Seniors should first explore local and state programs that can help with the costs of a medical alert system. These programs often include Medicaid Home and Community-Based Care or 1915 waivers. Medical alert systems empower older adults to live at home longer by providing a way for them to connect with help in an emergency. However, they can be costly, ranging in price from $20-$45 per month plus equipment and activation fees. Fortunately, seniors can find ways to cut the costs of their medical alert devices. Start by checking with device manufacturers for discounts and special deals. Many offer bundled packages and waive monthly service fees for new customers, veterans or other groups. Some even provide free shipping and waive activation fees on a yearly basis. It is also worth checking with local non-profits and senior centers to see if they have funding or referral programs to help lower the cost of these devices. If you or a loved one is a veteran, the VA offers free medical alert systems to qualifying individuals through its MedEquip Alert program. These devices feature a small pendant that can be worn around the neck or on a bracelet and communicates with a monitoring center using two-way communication technology. The system also shows the wearer’s location on a map, making it easier for first responders to locate them quickly. Individuals with Medicare may be able to qualify for a free medical alert system through their state’s Medicaid waiver program. These programs are designed to help people who need assistance moving back into their own homes from nursing homes, and they typically pay for services like medical alert systems. Medical alert systems can be a valuable tool for seniors who want to live independently at home. They can be especially helpful for seniors who are at risk of falls or other health issues. Many people who use medical alert systems report a greater sense of confidence and security while in their homes because they know that help is just a button away. However, the cost of these devices can be prohibitive for some seniors. In addition to the equipment costs, there are monthly subscription and monitoring fees to consider. Fortunately, there are ways to get around these high prices by looking into discounts and negotiating with providers. Many medical alert system companies offer a variety of discounts and waivers for senior citizens, veterans, or other groups. In some cases, medical alert systems are covered by Medicaid or Medicare Advantage plans. However, it's important to keep in mind that these programs are run at the state level and vary from one to another. For example, some Medicaid programs require that applicants prove that they need the device to stay safe in their homes. Others only cover the device if it's rented, rather than purchased. Seniors can also look into long-term care insurance policies, which often cover the cost of medical alert systems. In addition, it may be possible to use funds from a Health Savings Account or Flexible Spending Account to pay for the cost of a medical alert system. It’s important to check with your insurance company or Medicare Advantage plan to find out if they offer coverage for medical alert systems. If you’re a veteran, you can also ask about free devices through the VA. Many medical alert device companies also partner with programs or organizations to provide discounts to those on limited incomes. These can include medical professionals or hospitals, non-profits and senior organizations. Additionally, you can inquire about tax deductions. You can also contact friends and family to see if they have referral discount codes for any of these systems. In addition, those with Medicaid or Medicare Part C may be able to get coverage for medical alarm systems through their insurance provider. However, this will vary from state to state and isn’t a guarantee. Bundled plans like Medicare Advantage, which is offered through private insurance companies, typically cover these devices. If you’re a senior on a tight budget, comparison shopping is the best way to find a system that fits your needs. Look for providers with low monthly fees, no contracts and free shipping or activation fees to cut costs. You can also take advantage of sales and holiday specials to save even more money. In some cases, these savings can help seniors afford these devices without cutting back on other expenses or sacrificing their safety. You can also consider asking a tax preparation professional about medical alert system tax deductions.
Some private health insurance providers offer coverage for personal emergency response systems. However, it’s important to check with your provider before making a purchase, as some companies have specific claim requirements. In addition, some long-term care insurance plans may also reimburse the cost of a medical alert system. Medicaid waivers for the elderly are another option that can help with the cost of a medical alert system. However, these programs are administered by each state and vary in terms of eligibility requirements. In general, these waivers are available for individuals who have incomes below a certain threshold and cannot afford private insurance. Finally, seniors should check with their Area Agency on Aging or local non-profits to see if they qualify for financial aid. These organizations can provide resources to seniors who need them, and may be able to assist them with purchasing a medical alert system. Medical alert systems offer peace of mind to seniors who live alone or have a chronic health condition. They connect them with caregivers, emergency services or 911 at the push of a button. These devices are available on pendants, bracelets and necklaces or in the style of a smartwatch. Many have features such as GPS technology that can locate the wearer and send help to their location. Some also include a home base unit that looks similar to an answering machine or smart speaker and two-way speakers. The cost of medical alert systems can be prohibitive for some seniors, but there are ways to obtain free or discounted devices. Start by asking your local Area Agency on Aging or senior center about available funding programs. They may be able to point you in the direction of state and community assistance grants that provide full or partial coverage for personal emergency response systems. You can also ask your insurance company about coverage options, as some long-term care policies cover these devices or offer discounts on them. You can also contact medical alert device manufacturers directly to see if they offer any specials or discounts for seniors or other groups. For instance, some systems have a bundled pricing option for seniors or waive equipment and activation fees for new customers, veterans or other groups. You should also watch for sales around holidays as these can lead to significant savings. Medical alert systems can save lives in the event of a fall, stroke or other emergency. But these devices often come with a hefty price tag that can be difficult for seniors to afford, especially if they don’t have insurance or Medicare. Another option is to look into private health insurance policies. Medicare Advantage, Medicaid and long-term care insurance may cover the costs of a medical alert device in part or in full, depending on the policy. In addition, some insurance providers offer discounts on bundled systems and additional features such as GPS tracking. If you’re a member of AARP, be sure to ask them about the perks of their medical alert system discount program. The organization has a long-running partnership with two medical alert companies, Lively and Philips Lifeline, which allow it to extend AARP members discounts on their products. The discounts apply to both a monitored and unmonitored system, as well as a range of different accessories such as pendants, wristbands and rings. AARP also offers one free month of service and free ground shipping on an annual order. |
