Does Insurance Cover Stair Lift Purchases?

By John Hewitt

  • Overview

    Does Insurance Cover Stair Lift Purchases?
    Stair lifts provide new mobility to the elderly and disabled who live in multistory houses. A stair lift is a motorized chair that attaches to a rail that runs parallel to a standard staircase. To get insurance to pay for a stair lift, there is no need to prove any sort of special disability, although it helps the insurance process if you have already been diagnosed with some kind of mobility-related disability.
  • Compensation

    Most health insurance providers cover some part of stair lift purchases and installation costs. Maintenance, repair and associated alteration expenses are not covered. In most cases, insurance will pay for only a minority of the cost, especially if the stair lift is a curved lift that needs to be custom-made to fit a particular house. Some forms of public health insurance assistance provide partial compensation for stair lift construction. Stair lift insurance coverage pays out only at the time of purchase. Insurance funding for a replacement must be applied for again.
  • Types

    Medicaid compensates for stair lifts, but only through participating vendors. Medicare does not cover stair lifts. Contact your state Department of Health, local agency for the elderly and Department of Housing for details on potential additional financing options. Certain stair lift vendors are not compatible with health insurance compensation. Specialized medical equipment merchants are more likely to have working relationships with health insurance companies. Inquire at the business before scheduling a consultation.


  • Considerations

    Health care professionals can also assist you in getting insurance benefits to cover the cost of stair lift purchase and installation. Before purchasing a stair lift, discuss your mobility situation with a professional. In many cases, stair lift vendors have working relationships with mobility specialists and can refer you to such a doctor for a consultation.
  • Documentation

    A justification statement certifies that the patient in question would benefit from using the stair lift for some sort of medical condition, such as a chronic illness like muscular dystrophy or knee arthritis. Some insurance companies require that the patient in question be capable of walking without wheelchair assistance when not using the stair lift. Without documentary support from a medical professional, a submitted insurance claim for a stair lift will often be rejected.
  • Negotiate

    Discuss your situation with your insurance agent if you are experiencing difficulty getting compensation for your stair lift. Mention that customers who purchase stair lifts are more likely to be far more careful and considerate of their own health. A stair lift can prevent falls, which potentially reduces the amount of money that insurers would pay out in the event you become injured. To cover the remainder of the cost, banks and lift vendors often offer financing.
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