Physical disabilities and old age can impact adversely on any individual’s life. In old age, people show inability to perform variety of tasks which they used to perform in short time. Some are even forced by relatives to live in assisted living homes. But still, life has to move on with all such situations. In last few years, the medical alert systems have offered various innovative solutions to the elderly. Medical alert systems have been designed to protect seniors from falling or people who need help during medical emergency.
Medical alert systems are also known as emergency response systems as they offer immediate help to people with limited mobility. With just push of a button available on device monitoring center agent can connect with you. You can carry the device at any place; bet it a park or the mall. The medical help will reach you in just few minutes.
Medical alert system providing companies provide their service by taking a subsequent amount of money. Some of the companies can charge activation fees, equipment fees and termination fees. This medical alerts cost can cause financial situations for seniors (especially who cannot afford the high cost of medical alert device). On the other hand, many rely on insurance companies like Medicare and Medicaid which might pay for their medical alert device.
HOW MEDICARE AND MEDICAID CAN HELP YOU
Seniors and physically disabled individuals are eligible for both Medicaid and Medicare. The state run health insurance programs usually pay for inpatient services, physician visit and other diagnostic tests but medical equipment such as personal emergency response systems are not covered. Some manufacturers claim that Medicare Part B (optional program) pay for Durable medical equipment such as medical alert devices. This is due to:
- The reusability feature of the device.
- They are advantageous for medically unfit people but are of no use to other.
- Medical alert system is suitable for medical purpose.
The providers of medical alert systems ask your doctor prescription at first. They also ask you to pay upfront charges for the product and once manufacturer receives the payment from insurance the state will reimburse your bill. But, in some situations this van cause scam. Be aware about this fact. Before considering medical alert systems talk to provider and Medicare insurance agent. Make sure that your system is covered under Part B Medicare insurance. Otherwise, you will have to pay for huge bills each month.
Majority of private insurance firms do not cover medical equipment like medical alert system under insurance plan. They believe that MAS do not impact directly on individual’s health and therefore they do not include these devices under insurance plan. For this, you can inquire about the same to the provider. You might receive a partial compensation for your equipment but this happens rarely.
There are some elderly people who have long-term insurance plan which pay for aged and disabled elderly. Your medical alert systems fit in each category, chances are there that long-term insurance provider might pay for your MAS (medical alert system). It would be wise to contact your insurance provider before buying medical alert system.
It is a well-known fact that medical alert systems offer seniors and disabled people a chance to live independently and peacefully. They can go to any place without a fear of inability to get medical help during medical emergency.
Be Safe & Make Earth A Happy Place To Live In. 🙂