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Medical alert systems are devices that connect users to emergency services with the push of a button. They can save lives and help those living alone feel secure and independent—but they can also be expensive. Most medical alert devices require users to pay a monthly fee ranging from $20–$60. They can also charge added equipment, connection, or extra feature fees.
It seems like insurance companies would cover the costs of medical alert systems, considering the health and safety benefits these devices can provide. But few insurance plans do. Here’s what to know about insurance for medical alert systems.
Does private insurance cover medical alert systems?
Most private insurance plans do not cover the costs of medical alert systems. But it’s still worth calling your insurance provider to find out if they offer coverage.
In some cases, you may receive a reimbursement for some of your fees with a doctor’s recommendation or other required documentation.
Can I use Medicare to pay for a medical alert system?
Original Medicare (Parts A and B) does not pay for the costs of medical alert systems. Some Medicare Part C, or Medicare Advantage, plans partially or entirely cover medical alert system costs.1 Since many Medicare Advantage options exist, your coverage will depend on the program you use.
Reach out to your insurance provider to learn how much medical alert system coverage you have and how long that coverage lasts. You may also need to provide a medical reason for your device, as well as a doctor’s note.
Does Medicaid cover medical alert systems?
Medicaid programs vary by state. Most Medicaid programs do not cover medical alert systems. But you should contact your state’s Medicaid insurance provider to learn if there are options for full or partial coverage.
Long-term care insurance and medical alert system coverage
Many long-term care insurance plans offer full or partial coverage of medical alert systems, depending on your plan.
Typically, your policy’s benefit eligibility requirement will state the type of medical alert system it covers. You’ll also want to look closely at your policy. Many long-term care insurance plans have a waiting period between when you first need coverage and when the coverage begins.
Do VA benefits cover medical alert systems?
The Department of Veterans Affairs (VA) offers medical alert system benefits to qualified veterans. The VA recommends you discuss using a medical alert device with your primary care provider to see if you qualify.2 If you qualify, you’ll want to discuss what devices are covered.
TRICARE, the health care program for active duty service members, does not cover medical alert systems.
PACE and medical alert system coverage
The Program of All-Inclusive Care for the Elderly (PACE) supports older adults who want to remain in their homes and communities (also called “aging in place”).
PACE covers all Medicaid and Medicare-covered services, as well as many extra benefits, like services deemed necessary by a health care professional.3 Currently, PACE programs are available in 33 states and the District of Columbia. You can see if a PACE center services your area on its interactive map.
Costs of medical alert systems
Monitored medical alert systems typically require a monthly subscription fee. These fees range from $20–$60 monthly. They cover 24/7 professional monitoring services through a call center that responds when you press the help button.
Upfront equipment costs can vary from $0–$200 depending on the company and package. Some companies offer free equipment with your subscription, while others charge a one-time equipment fee.
Several factors influence the total cost:
- Automatic fall detection usually adds $10–12 monthly to the base monitoring fee.
- Mobile systems with GPS tracking for protection outside the home tend to cost $5–$20 more per month than basic in-home systems.
- Extra necklaces for spouse coverage or wall buttons may cost $3–$7 extra per month.
Optional features that may add to the overall medical alert system costs include:
- Lockboxes for emergency responder access
- Protection plans/warranties for equipment damage
- Cellular backup for systems that normally use a landline
How to save on medical alert systems
While you may not be able to use insurance to cover medical alert systems, there are other ways to save on these devices. Said Sarah Milanowski, LMSW, Manager of Enrollment and Marketing at LifeCircles PACE in Ottowa County, Michigan,
If the person in need of the device is a bit wary, many companies offer free trial periods. You can also get discounts through organizations like AARP. Check with your local senior centers. Some localities and area agencies on aging offer resources to cover the cost of some of these devices. You can also check into some insurance plans like PACE, or Medicare Advantage plans.”
Here are some more options to reduce the overall cost of your medical alert system:
- FSA/HSA funds: Flexible spending accounts (FSA) and health savings accounts (HSA) let you use pre-taxed funds to pay for qualified medical expenses. Many medical alert systems are FSA and HSA-eligible, so you can save by paying for these devices with pre-taxed dollars.4
- Adjusting your payment plan: Many medical alert systems discount monthly fees when you pay quarterly or annually.
- Sales and holiday deals: Several medical alert system brands offer regular sales. You may find discounted monthly fees and free or reduced equipment fees around Memorial Day, Christmas, and other holidays.
- Area agencies on aging (AAA): Your local AAA connects older adults with services that can help them remain in their homes and communities with independence. You can find your closest AAA office through the eldercare locator tool.
- BenefitsCheckUp®: NCOA’s BenefitsCheckUp can help you find benefits programs in your area.
Frequently asked questions
Does Medicare cover medical alert systems?
Original Medicare doesn't cover these devices. But some Medicare Advantage plans may offer partial coverage.
What documentation do I need for insurance coverage?
Your insurance may ask for a prescription and medical necessity letter to reimburse medical alert system costs.
How do I know if my insurance covers medical alert devices?
You’ll need to contact your insurance provider directly to verify coverage and requirements under your specific plan.
Can I use FSA/HSA funds for medical alert systems?
Yes, most medical alert systems qualify as eligible expenses for FSA/HSA accounts.
How often can I upgrade my system under insurance?
Typically every three to five years, depending on your plan policies and medical necessity.
What's the average out-of-pocket cost with insurance?
Costs vary but typically range from $0–$200 for equipment and $20–$60 monthly for monitoring.
Sources
1. Medicare.gov. Understanding Medicare Advantage Plans. Found on the internet at https://www.medicare.gov/publications/12026-understanding-medicare-advantage-plans.pdf
2. Minneapolis VA Health Care System. VA Benefits and Community Resources for Aging Veterans and Caregivers in Minneapolis VA Health Care System. October 2022. Found on the internet at https://www.va.gov/files/2023-06/MVAHCS_VA_Benefits_and_community_resources_for_aging_Veterans_and_their_caregivers.pdf
3. National PACE Association. PACE services. Found on the internet at: https://www.npaonline.org/pace-services
4. National Institutes of Health Office of Human Resources. Flexible Spending Accounts (FSAs). Aug. 20, 2024. Found on the internet at: https://hr.nih.gov/benefits/insurance/flexible-spending-accounts
