Medicare doesn’t cover Life Alert Systems; but, some discounts may be available. The Centers for Disease Control and Prevention states that 1 in every 4 senior American falls each year.
20% of those falls end in a broken bone or worse. Medical devices such as Life Alert can reduce these numbers.
Concerns exist around elderly family members that want to live at home alone. Providing around-the-clock monitoring, these devices allow seniors to always have help at the touch of a button.
Sudden health events such as falling can become fatal if not taken care of quickly. Investing in one of these alert systems may prevent the worst from happening.
Not all medical alarms are costly, certain parts of Medicare may cover medical alert systems. Below we discuss Medicare’s coverage for medical alert systems and other affordable options to help you stay safe.
Does Medicare Cover Life Alert Systems
Emergency response systems like Life Alert are worn around the neck on a lanyard or the wrist. These systems give seniors a way to reach help should they fall or can’t get to a phone.
As these devices may bring a sense of security to seniors, many ask does Medicare cover Life Alert systems? Commercials often advertise these systems and many seniors use them as a tool to keep safe.
Sadly, Medicare doesn’t cover the costs. Part B offers coverage for Durable Medical Equipment; but, medical alert systems don’t qualify.
Not to worry, there are other options for coverage of systems like Life Alert.
Medicare Advantage for Life Alert
Policies may cover all costs or provide the patient with a device if it’s medically necessary. Some qualifying conditions may include physical weakness, poor vision, and breathing conditions.
If you have Medicare Advantage, find out what’s included in your plan before you choose a medical alert system.
Medicare Supplement Coverage for Life Alert
Since Medicare doesn’t cover Life Alert, Medigap plans won’t cover life alert. A smartwatch could make a good alternative to a wearable medical alert device.
With most smartwatches, you can make phone calls and send text messages. Further, a smartwatch can track your health activities and encourage a healthier lifestyle.
Medical Alert Costs
Monthly costs for Life Alert can cost around $50-90. The average medical alert systems range from $30-90 a month.
As many companies provide reliable service, Life Alert is the only one that C. Everett Koop (former U.S. Surgeon General) endorses.
Offering coverage nationwide through AT&T, Life Alert uses GPS tracking. Those with Medicaid may be able to get a free or low-cost life alert device in certain states.
Life Alert doesn’t require situations to be an emergency.
4 Cost-Friendly Medical Alarms Medicare May Cover
Many companies cover for medical alarms, giving you different options. Patients needing a device due to health can likely get coverage.
Personal Emergency Response Systems (PERS) devices may be budget-friendly when using one of the companies below.
Bay Alarm Medical
Bay Alarm Medical offers packages that include home, car, and mobile alert systems. Monthly prices range from about $20-$60, with no activation fees and no long-term contracts.
The most affordable service is the in-home package, which includes a base station and a wearable emergency button.
Costing about $20 a month for in-home coverage, this is the cheapest option. Providing flexible options for emergency monitoring, these systems are cost-friendly and may fit your lifestyle.
Offering 3 types of systems, Bay Alarm Medical has options. The first is the classic In-Home option with a wrist button and receiver.
The Mobile GPS Help Button includes GPS tracking & wireless assistance.
Do you drive a lot? If so, try the In-Car Medical Alert system.
It should connect to a 12-volt charging jack, and offers to monitor for any crashes or medical emergencies. In-car devices offer automatic fall detection, but beneficiaries must pay an additional fee.
But, fees may be worth the extra costs. Automatic fall detection instantly signals emergency services should a high-impact fall occur.
Devices include waterproof call buttons and a range of 1,000 feet.
The Lifeline system is a standard medical alert system. Devices can attach to a lanyard or wristband for ease.
The wristband option has an alert button and a base; both of which act as a receiver and speaker.
Lifeline uses AT&T cellular network to give you proper coverage. Water-resistant emergency buttons make them shower-friendly.
Seniors that travel often may seek a more mobile option just to be safe. GoSafe is both a mobile and a home medical alert system.
While Medicare does not cover life alert, you can purchase a lifeline alert system at an affordable rate.
In-home Lifeline costs about $30 monthly for the 24/7 monitoring, an initial $50 is for the equipment.
GoSafe is about $60 a month; members must pay a $149 cost for the device.
Offering the best quality, Mobilehelp provides a variety of choices for monitoring devices. Including those for at-home use or on-the-go.
Both run on cellular connections and data. This is a great option for those living in more urban areas or those with an active lifestyle.
In-home systems, like others, include a pendant and wristband with a base station. Again, signals are sent via a cellular connection.
GPS monitoring for mobile services is provided by “Solo”.
While “Smart” uses MobileHelp’s services through a smartwatch (Samsung). This makes for a wearable monitoring system with extra features, such as a health tracker.
The “Duo” package includes both Classic and Solo systems, put into one package. This option is a little over $40 a month.
Purchasing the bundle package is cheaper than buying both systems individually.
Reviews show that this company is the best value for the price. Including the standard pendant call button, or wristband and a base station.
LifeStation Mobile offers GPS monitoring for more active members. This model doesn’t require a base station.
The GPS option helps the company’s operators to find the location of a person in an emergency.
Fall detection features send automatic notifications to LifeStation in the event of a fall. This company encourages individuals to set up an action plan with them.
This plan is for situations where a person may not be able to speak after pushing their help button.
Other features include waterproof buttons and a range of 1,000 feet for in-home devices. Mobile systems have batteries with a 5-day lifespan after charging.
Weekly tests (silent) are done to maintain and ensure the reliability of all systems. Medicare coverage for LifeStation systems may be available for the $25.95/mo. for an annual plan.
Discounts for Medical Alert Systems
Some providers offer discounts to new customers. Medical Guardian is a leading provider for medical alert systems. This company offers discounts such as free service for two months, a free extra month of service for annual service plan enrollees.
Other discounts include a free lockbox, free shipping, and a bonus offer for individuals willing to complete a survey.
Medical Alert Devices and Medicare FAQ’s
Get Help Paying for a Medical Alert System
If you need a medical alert system but aren’t sure you can afford it, there are a few resources that may reduce the cost.
Medicaid may pay for your medical alert system, depending on the state you live in and your device. Your medical alert system provider or Medicaid office can help you find out more.
We give you the facts about Medicare. When you work with one of our agents, we answer your questions and help you choose a plan.
To get started, give us a call at the number above today or fill out our online rate comparison form.