It is a common inquiry – Are stair lifts covered by Medicare? Unfortunately, the concise response is no. Stair lifts are not covered by Medicare since Medicare categorizes a stair lift as a home modification rather than Durable Medical Equipment (DME).
Please note this information is correct as of September 1, 2024 and may change in the future.
There are specific instances where certain Medicare Advantage plans may cover the cost of a stair lift. Moreover, there are alternative methods to reduce or cover the cost of a stair lift. Below is an in-depth overview of what Medicare covers and strategies to mitigate the expenses associated with installing a stair lift in your residence.
"Well, that's confusing- Are Stairlifts Covered By Medicare or not?" We know. But that's why we're here, to help you keep up!
Medicare Plans that DO Cover Stair Lifts
Medicare Advantage (Select plans may cover stair lifts)
Medicaid (Covers stair lifts)
Long Term Care Insurance (Select plans may cover stair lifts)
Less Expensive Alternatives
Financing
Medicare is the federal health insurance program for individuals over 65 and younger individuals with disabilities. Original Medicare comprises Part A and Part B coverage. While Part A covers various types of care, it does not include stair lift coverage. Part B, which covers Durable Medical Equipment (DME), does not consider a stair lift as such due to its attachment to the steps' treads, categorizing it as a Home Modification. Hence, Medicare does not cover any type of Home Modifications.
Medicare Supplemental Insurance/Medigap
Supplemental insurances that can be paired with Original Medicare for extra coverage do not offer coverage for stair lifts under any of the additional Parts: C, D, F, G, K, L, M, and N.
Medicare Advantage
Some Medicare Advantage plans may cover part or all of the stair lift cost. These plans are offered by Medicare-approved private companies and must adhere to Medicare's regulations. While they are required to provide at least the same coverage as Original Medicare, some plans may offer additional benefits, such as coverage for stair lifts. Coverage varies among plans, so contacting your provider is the best way to determine if your plan includes stair lift coverage.
Medicaid
Medicaid in many states, including Illinois and Missouri, can cover the cost of installing a stair lift in your home. Visit our page on Are stair lifts covered by Medicaid? for more details.
Long Term Care Insurance
Some long term care policies may cover stair lift costs. Contact your insurance provider to check if you are eligible for coverage.
Less Expensive Alternatives
For individuals without coverage from Medicare, Medicare Advantage, or Medicaid, purchasing a new, used, or rental stair lift can be a more affordable option that fits your needs and budget.
Financing
If you cannot find payment assistance, financing allows you to spread the cost of a stair lift into manageable monthly payments.
Stair Lift Policy - Popular Providers
Refer to the policies of major providers regarding stair lifts:
AARP
Aetna
Blue Cross Blue Shield
Cigna
Humana
United Healthcare
Stair lifts are essential for enhancing mobility and independence for individuals with limited mobility. While Medicare does not directly cover stair lifts due to their classification as home modifications, alternative options exist to help defray the costs.
Medicare Advantage plans, offered by private companies approved by Medicare, may include stair lift coverage. Contact your Medicare Advantage provider to verify if your plan offers this benefit. Additionally, Medicaid in many states can provide financial aid by covering part or all of the stair lift installation expenses.
Long Term Care Insurance is another avenue to explore for potential stair lift coverage. Some policies may incorporate provisions for stair lift costs, so it is advisable to consult your insurance provider for detailed information.
If traditional insurance coverage is unavailable, exploring less expensive alternatives such as purchasing a used or rental stair lift can help reduce costs while meeting mobility requirements. Financing options are also available to break down the stair lift cost into manageable monthly payments.
In conclusion, while Medicare does not directly cover stair lifts, there are various avenues to explore for financial assistance or cost reduction when installing a stair lift in your home.
Simple Question: Are Stairlifts Covered By Medicare? Simple Answer: No, but there are options!
Schedule a Free Consultation with AIP Mobility Plus Today!
Ready to take the first step towards safe aging in place? Contact AIP Mobility Plus in Morris County, NJ today! Our team of experts will provide a free consultation to assess your needs and recommend the best mobility solutions for your home.
Call us at 973-607-3211 or email us at Bob@AIPMobilityPlus.com to create a safer, more comfortable home for your golden years!
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