Does Medicare Cover Medical Alert Systems?

Unfortunately, Medical Alert Systems fall outside the bounds of Medicare coverage.

Original Medicare covers many types of medical equipment and services but does not cover all of them.

Neither Medicare Part A nor Medicare Part B will pay for medical alert devices or services considered a convenience, not a medical necessity. Medical Alert Systems are deemed a convenience service providing safety and security rather than addressing a medical condition.

What’s The Cost Of A Medical Alert System?

The cost of Medical Alert Systems varies depending on the type of at-home service and equipment needed and are offered by companies like Medical Alert and Life Alert.

The basic package, which includes a base station with two-way voice communication, home monitoring, and remote access to emergency responders, costs around $30-$50 per month. Add-on packages for additional equipment fees or services can cost extra.

For example, there are options for medical alert mobile devices, fall detection and monitoring services, automated medication reminders, and more.

What If I Can't Afford Life Alert?

Some Medicare Advantage plans may offer coverage for personal emergency response systems. It’s important to research and understand your plan’s benefits to see if you have any coverage for Life Alert or similar services. Be sure to check with your Medicare plan before purchasing a device.

Another option for those looking for coverage for Medical Alert Systems is Medicaid. Medicaid is a joint federal and state program that provides healthcare coverage to individuals with limited resources.

Some states may cover personal emergency response systems for their Medicaid benefits. Eligibility and coverage vary by state, so it’s important to check your state’s benefits to see if Life Alert is covered.

In addition to Medicaid, other programs may offer assistance with the cost of a personal emergency response system. The Department of Veterans Affairs and some private insurance companies may offer coverage or discounts for such in-home devices.

There may also be charitable organizations or local community services that provide financial assistance for seniors to purchase Life Alert or similar services.

Bottom Line

In conclusion, unfortunately, Medicare does not cover the cost of Life Alert or other medical alert systems as it is considered a non-covered service. However, looking into Medicaid, Medicare Advantage plans, or other community-based services may provide some coverage or potential financial assistance.

Regardless of health insurance coverage, having a personal emergency response system such as Life Alert cannot be overstated. It can provide seniors with the peace of mind and security they deserve.

Sources: National Council on AgingU.S. News and World


  • Does AARP cover Medical Alert Systems?

    AARP does not cover personal emergency response systems such as Life Alert. However, AARP offers AARP members discounts and savings on these types of medical alert systems and home security products and services through its partnership with ADT Security Services.

    These discounts include special equipment packages, installation fees waived, and up to 25% off the monthly monitoring rate for ADT services.

Mark Prip

Since 2003, Mark Prip has been leading  Policy Guide, Inc., providing knowledgeable information about Medicare, life insurance, and dental coverage to clients in over forty states. With his unparalleled hands-on experience aiding countless Medicare beneficiaries in selecting an appropriate health plan, he is a prime example amongst other competitors for expertise and assistance. Mark has held his Florida Health & Life Insurance License (E051889) since 2003. View his license profile on the Florida Department of Insurance website.