Medical Alert Systems Insurance Coverage

Does insurance cover medical alert systems?

Medical alert systems are typically not covered by most insurance plans. However, you should check with your provider to determine whether they offer coverage options or discounts. You can contact your insurance provider by calling the number on your insurance card or visiting their website.

Will long-term care insurance pay for medical alert systems?

Yes, many long-term care insurance plans pay for all or some medical alert system costs. If you’re unclear on whether your long-term care plan covers your medical alert system, you’ll want to reach out to them directly for confirmation. Many plans specify the type of device or service they cover, so you’ll want to ensure you choose a device that aligns with your plan.    

Does Medicare cover medical alert systems?

Medicare Part A and Part B do not cover medical alert systems. However, Medicare Part C (Medicare Advantage) may offer partial coverage, depending on your specific plan. 

Breakdown of Medicare Coverage:

Tip: Talk to an eldercare attorney, a county agency on aging, or a social worker specializing in senior care for Medicare guidance.

Does Medicaid cover medical alert systems?

Every state has its own Medicaid program. While Medicaid usually does not pay for medical alert devices, it’s worth contacting your state’s Medicaid program to check your coverage.  

Other Medicaid Services That May Be Covered:

• Lab tests
• Home health care
• Medical transportation

Does the VA cover medical alert systems?

If you are a military veteran or spouse, you may qualify for a medical alert system through the Department of Veterans Affairs (VA). Contact your VA provider to see if medical alert systems are included in your benefits.TRICARE, the healthcare services for military members, veterans, and their families, does not provide any coverage for medical alert systems.

How much do medical alert systems cost?

Medical alert systems typically cost $20–$45 per month, depending on the type of system and additional features. Some companies charge extra for installation, activation, and special services such as fall detection or virtual doctor visits.

4 Ways to save money on medical alert systems

Take advantage of these cost-saving strategies:

1. Watch for sales and holiday specials

Many companies offer discounts around major holidays, such as:

• Memorial Day
• Fourth of July
• Black Friday & Cyber Monday

Check company websites for promotions and special offers.

2. Use your HSA or FSA funds

Both flexible spending accounts (FSA) and health savings accounts (HSA) allow users to set pre-taxed funds aside to pay for certain medical expenses. Since many medical alert systems align with the guidelines set for HSA and FSA funds, you can use those accounts to pay for them with untaxed dollars.

3. Check with local agencies

Some sheriff’s offices and area agencies on aging offer grants or funding for medical alert monitoring services.

4. Pre-pay subscription fees

Many medical alert systems offer a significant discount for those who pay their subscription fees quarterly or annually.

Best affordable medical alert systems

Now that you know how to save money, here are the most affordable and well-rated medical alert systems: