Stairlifts provide essential mobility support for the elderly and individuals with disabilities. However, the cost of buying and installing a stairlift can be a significant financial burden. Many people wonder, “Is stairlift insurance available? Will Medicare or private insurance cover the cost?”
While traditional Medicare does not typically cover stairlifts, alternative options, such as Medicare Advantage, VA benefits, long-term care insurance, and reverse mortgages, may help offset expenses. This blog explores insurance possibilities, government assistance programs, and key questions to ask before buying a stairlift to ensure you make an informed decision.
Why Medicare Denies Coverage for Stairlifts?
Medicare Part B covers durable medical equipment (DME)—items like wheelchairs, walkers, and oxygen tanks that are medically necessary and reusable. Unfortunately, stairlifts don’t meet Medicare’s DME criteria because:
- They are permanently installed and considered a home modification.
- They are not directly prescribed for a specific medical treatment.
- Medicare typically only covers portable medical devices.
Does this mean you’re out of options? Absolutely not. While Medicare won’t pay for a stairlift, other programs might.
Exception: If a stairlift has an elevating seat (a rare high-end feature aiding sit-to-stand transitions), Medicare might cover a small portion, but the reimbursement is typically less than the added cost of such a model.
Alternative Stairlift Insurance Options
While standard health insurance rarely pays for stairlifts, these policies sometimes do:
Medicare Advantage (Part C): Possible Coverage
Since 2019, Medicare Advantage plans (offered by private insurers) have been allowed to include supplemental benefits for items that improve health outcomes, such as stairlifts. Unlike Original Medicare, some Medicare Advantage plans offer additional benefits, including home modifications. Coverage varies by plan. Some may pay partial or full costs if:
- A doctor certifies the lift is medically necessary (e.g., due to a chronic condition or fall risk).
- The plan includes home modification benefits under chronic care management.
Action Step: Call your stairlift provider and ask:
- “Does my plan cover stairlifts or home modifications for mobility issues?”
- “What documentation is required for approval?”
Auto Insurance & Workers’ Compensation
These insurers may cover home modifications if a car accident or workplace injury causes mobility issues. For example, a construction worker who falls off a ladder might get a stairlift covered under workers’ compensation.
Long-Term Care Insurance
Some policies allow funds to be used for home accessibility upgrades if they prevent nursing home admission. Check your policy for “aging in place” benefits.
Government Assistance Programs Beyond Medicare
When you plan to buy a stairlift for the elderly without financial constraints, consider the following government assistance programs:
VA Housing Grants for Disabled Veterans
The United States Department of Veterans Affairs (VA) offers two major grants:
- Specially Adapted Housing (SAH) Grant: Up to $117,014 (2024) for veterans with severe service-connected disabilities (e.g., loss of limbs, paralysis).
- Special Home Adaptation (SHA) Grant: Up to $23,444 for veterans with mobility impairments (e.g., blindness, loss of use of limbs).
Eligibility
- Must have a service-connected disability rating from the VA.
- Requires a VA-prescribed need for home modifications.
How to Apply?
- Submit VA Form 26-4555 through your regional VA office.
- A VA-approved contractor must install the stairlift.
Area Agencies on Aging (AAA)
Local AAA offices often provide:
- Free or low-cost home assessments
- Sliding-scale modification programs
- Referrals to charitable organizations
Reverse Mortgage (HECM)
For homeowners 62 and older, a HECM (Home Equity Conversion Mortgage) allows borrowing against home equity without monthly payments.
Key Benefits
- No repayment is required until you move out or sell the home.
- Funds can be used for any purpose, including stairlifts.
- Heirs are not personally liable or eligible if the loan exceeds the home value.
How to Apply?
- Speak with a HUD-approved reverse mortgage counselor.
- Compare lenders for the best terms.
What to Ask Before Signing?
Before considering buying a stairlift, it’s crucial to ask the correct questions to avoid unexpected costs & ensure you’re getting the best deal.
Is There a Down Payment?
Many providers require an upfront deposit, while others offer financing with no money down. Clarify payment expectations before signing any contract.
What’s the Interest Rate?
If financing, ask about the annual percentage rate (APR) and whether it’s fixed or variable. Compare stairlift insurance rates from different lenders to avoid overpaying.
Are There Hidden Fees?
Inquire about additional costs, such as stairlift installation, maintenance, removal fees, or penalties for early loan repayment. Some companies charge extra for custom modifications or extended warranties.
What’s the Warranty Coverage?
Stairlifts should come with a warranty covering parts and labor. Ask how long it lasts and what’s included—some stairlift companies offer extended warranties for an added fee.
Is Stairlift Installation Included?
Confirm whether the quoted price includes professional stairlift installation. Improper installation of the stairlift could lead to safety hazards or void warranties.
What’s the Return Policy?
Some stairlift companies allow returns within a trial period (e.g., 30 days), while others charge restocking fees. Understand the terms in case the stairlift doesn’t meet your needs.
Are Stairlift Maintenance Services Available?
Ask if the stairlift provider offers routine maintenance plans and how much they cost. Regular stairlift servicing can extend the lift’s lifespan and prevent costly repairs.
How Can a Stairlift Company Help?
A reputable stairlift company can assist in multiple ways, ensuring a smooth and affordable installation process. Many providers offer financing options, including low-interest payment plans, to make stairlifts more budget-friendly. They can also guide customers through stairlift insurance claims, helping determine if Medicare Advantage, VA grants, or long-term care policies may contribute to costs.
Additionally, professional stairlift companies handle precise measurements, custom installations & safety checks to ensure optimal performance. A trusted stairlift provider simplifies the entire process by offering consultations, transparent pricing, and post-installation support, helping individuals confidently maintain independence at home.
Conclusion
While Medicare rarely covers stairlifts, alternative options like Medicare Advantage, VA grants, and long-term care insurance may help. Researching funding sources, asking the right questions, and working with a reputable stairlift provider can make installation more affordable. By exploring these avenues, seniors and individuals with mobility challenges can secure the support they need to maintain independence and safety at home.
At HomePRO Mobility, we offer complete solutions, including straight, curved, and outdoor stairlift models to fit every home’s needs. Our team guides you through every step, from professional installation to maintenance, ensuring you get the right mobility solution with transparent pricing and expert support. Contact Us Today!
