Can my Insurance Pay for a Stair Lift?

When it comes to buying a stir lift, some folks wonder if their health insurance covers partially or ever entirely the purchase. New stairlifts can be quite expensive, so this is a very reasonable question.

The good news is that there are a few insurance companies that will cover some or most of the costs. With any luck, you are insured by one of this company.
But many will not cover the purchase, so to find out, you will want to give your insurance agent a call and request more information about it. This is the only way you will know for sure.

I know that people immediately think of Medicare as a potential source of funding, but at this time they do not cover any stairlift related expenses. The reason is – they do not consider the stair lift to be “durable medical equipment.”
There are other options to consider when trying to get a lift financed.

Look for a grant or a local governmental agency that could pick up the tab.

Bank financing is might be an avenue to look into.

Private health care agencies and out-of-pocket payment are yet another option. The problem is that private health insurance usually only cover part of the full price of expensive devices.

Folks who qualify for veterans’ benefits can certainly check if they can acquire support from the Department of Veterans Affairs (DVA) .

Most states have at least one agency that deals specifically with assistive technology issues.

The Assistive Technology Act (Tech Act) offers financial help to states for the proliferation of statewide consumer information and training programs.

Another site you should check out is Disability.gov . This site serves as a “one-stop” electronic hub for a huge range of useful information for people with disabilities and their family members.

While the situation may seem overwhelming at first glance, once you get started you’ll likely find a few options that will work for your particular situation.

The key is to take the time to look into all of your options.

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