DOES INSURANCE COVER STAIR CHAIR LIFTS?

A common question comes to mind when a daughter wants to purchase a stair chair lift for her aged mother who is having a hard time climbing up the stairs: “Will the insurance company pay for the cost of my mother’s stair chair lift?” Unfortunately, as previously discussed, Medicare, a form of insurance provided by the federal government does not cover stair chair lifts. A stair chair lift is not considered by Medicare to be “durable medical equipment” but rather is termed a “home modification.” Although this may not seem fair or consistent with Medicare’s policy to cover other mobility assistive devices, such as scooters, power wheelchairs, etc., it is nonetheless their current position with stair chair lifts.

Yet, do not lose hope just now because there are actually private medical insurance companies that are capable of paying at least some, if not the entire cost of your stair chair lift. To think that there are hundreds of insurance companies in the United States, it is better to clarify one point with your insurance provider – that is if the cost of your stair chair lift is partially or totally covered. So to start things off, it would be good to check with them to determine their policy. If they have covered the cost of your power wheel chair then certainly, it is reasonable to presume that they wouldn’t be that unsympathetic with your stair chair lift. But it is not a given, so be sure to check.

If your stair chair lift recipient is elderly, contacting your local agencies for aging programs is also a good place to start. These agencies are sometimes able to use funds from the Older Americans Act to modify homes with such things as walk-in bathtubs and stair chair lifts. If they are not able to help you with your needs, or if you do not qualify for cost coverage of your stair chair lift, you can also contact your local lender or bank for possible stair chair lift funding. Furthermore, your local Department of Housing and Urban Development can sometimes offer grants to home modifications such as the installation of stair chair lifts. Some private health care agencies also cover moderate home care needs which definitely include stair chair lifts if it is determined to be beneficial or long term to the person.

So, if Medicare will only cover items being purchased that meet the definition of “durable medical equipment” just like power wheel chairs, a potential stair chair lift buyer has still many options that would answer the most feasible question whether its cost is covered or not.

After all, just like using any power wheel chair, installing a stair chair lift in reality may save insurance companies from having to pay tens of thousands of dollars of medical and hospital charges from falling down the flight of stairs if they did not install the system. Of course, we know that insurance companies are not always that rational. So check your coverage to find out whether your insurance will cover the cost of your stair-chair-lift.

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Acorn Superglide

in the search box to see if the free shipping and custom length fitting (up to 16′) is still available.

Or you can go to this page to watch the Acorn Superglide 120 video.

http://stair-chair-lift.net/Acorn-Superglide-120-Video

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