DIY Security Systems
Medical Alert System is imperative to our loved ones’ health and well-being, especially that coronavirus has changed the way we live and value health. If you are thinking of getting one for yourself or your elderly folks, it is valid to ask, “Does insurance pay for medical alert systems?”
What Is a Medical Alert System?
With our current condition, the elderly aged 65 and above are advised to be extra careful. Social distancing is strictly imposed worldwide to help mitigate the spread of the virus, and the elderly are sometimes put in isolation. Some states discouraged seniors from going to crowded places like stores and groceries. This is difficult for seniors who are alone and living independently.
As a family member WITH A senior, we would feel anxious and worried that our loved one might need help for their essential needs like food, vitamins, or medicine, or, worse, emergency. Still, we couldn’t readily be notified or called for an alert.
The Basics
According to the report from the Centers for Disease Control and Prevention or CDC report, 3 million older people are treated in emergency departments for fall injuries, which can cause a hip fracture or head injury. People commonly ask the question, does insurance pay for medical alert systems? Yes, because it is vital.
This scenario could be overwhelming if the family cannot stop by to check and assist their loved ones. This is where the Medical alert systems help alleviate our fear and make it easy for seniors to quickly get the help they need if an emergency occurs while they’re alone. It can save lives and bring great peace to your mind.
An example is the “Great Call medical alert,” an emergency response system device that is usually worn on a lanyard around the neck or wrist and allow senior citizens if they fall or had an emergency simply by the press of a button.
According to the report from the Centers for Disease Control and Prevention or CDC report, 3 million older people are treated in emergency departments for fall injuries, which can cause a hip fracture or head injury. People commonly ask the question, does insurance pay for medical alert systems? Yes, because it is vital.
This scenario could be overwhelming if the family cannot stop by to check and assist their loved ones. This is where the Medical alert systems help alleviate our fear and make it easy for seniors to quickly get the help they need if an emergency occurs while they’re alone. It can save lives and bring great peace to your mind.
An example is the “Great Call medical alert,” an emergency response system device that is usually worn on a lanyard around the neck or wrist and allow senior citizens if they fall or had an emergency simply by the press of a button.
Does Insurance Pay for Medical Alert Systems?
Medicare, a federal health insurance program for citizens who are elderly or disabled, covers approximately 64 million senior citizens in the U.S. Generally, this national insurance doesn’t provide coverage for medical alert systems. It only covers essential expenses such as prescription, medication, and hospitalization. The insurance holder pays a monthly premium for Medicare Part B and Medicare Part C, and some Medicare recipients shoulder the coverage for Part A.
The most frequently asked question is whether the insurance pays for medical alert systems? Or do the programs cover the cost? Or can we reimburse it? The answer is not as straightforward as one would think.
The following breakdown of coverage explains the different options that might help answer these questions:
Medicare Part A
Once enrolled in Medicare, it makes you automatically covered in Part A, which covers qualifying hospitalization costs and hospital expenses. Elderly adults receive assistance with inpatient hospital care, surgeries, nursing home services, and hospice care. Medicare Part A recipients can also receive reimbursement for in-home health services, such as the cost of a home health aide, though this is generally just provided for short-term care. The doctor’s fee is also not included. A medical alert device may be used for in-home health care; however, it is not covered with Medicare Part A.
Medicare Part B
The coverage for Part B is optional, and you are not automatically enrolled if you get Medicare insurance. The average premium for Medicare Part B is $134, although the cost may vary depending on your monthly income based on Social Security. It provides coverage for medical expenses, including X-rays, CT scans, MRIs, prescription medications, and visits to primary care providers and specialists. Some seniors qualify for medical device reimbursement, but this generally doesn’t include any of the best medical alert systems.
Medicare Part C
The coverage for Part B is optional, and you are not automatically enrolled if you get Medicare insurance. The average premium for Medicare Part B is $134, although the cost may vary depending on your monthly income based on Social Security. It provides coverage for medical expenses, including X-rays, CT scans, MRIs, prescription medications, and visits to primary care providers and specialists. Some seniors qualify for medical device reimbursement, but this generally doesn’t include any of the best medical alert systems.
Medicare Part D
It focuses on prescription drug reimbursement. You cannot use it for medical alert systems or other medical devices.
Some insurance companies encourage you to get a medical alert system, especially if there is a risk of fall injury or other types of medical emergencies.
Though most insurance companies do not cover the device’s cost, if you have to pay for your medical alert system (often the case), you should still go for it. Now, that answers the question, “Does insurance pay for medical alert systems?”
Conclusion
You can take advantage of the incentives and low-cost financing options the insurance company may offer to make your monthly payments more affordable. You might be able to work with local agencies that can help deliver your medical alert systems at a fraction of the cost if you’re on a fixed income.
Ultimately, it is for your long-term safety and wellbeing, so it is a worthwhile investment. Now that we have provided you the answers you need on “Does insurance pay for medical alert systems?” it will never bother you again! Know more about Medical Alert Systems.