A medical alert necklace can be a life-saving device for seniors, especially those vulnerable to falling or suffering from chronic illnesses like diabetes. Advancement in technology makes it much safer to remain independent with age. Many families and seniors choose to invest in medical alert pendants. In case of an emergency, the pendants enable seniors to call for help by just pressing a button.
Cost of a Medical Alert Pendant
Depending on the features that you want or need, a medical alert pendant can be quite an investment. Features such as fall detection and GPS technology can scale up the cost. With some companies, you’re required to pay for the pendant upfront and then pay monthly for the plan. Other companies include the pendant cost in the monthly plan.
Does Insurance Cover My Medical Alert Necklace?
Insurance coverage for alert pendants varies. Most health insurance companies don’t cover these pendants or services, though some do. Seniors under long-term care insurance have a high chance of getting medical alert pendant coverage, but this depends on the plan and provider.
You can find out if your insurer offers coverage by checking their website to see what services they cover. Every insurance company has a website with details about their services; many cover medical alert devices.
You can also simply call the insurance company directly using the number on your insurance card. Calling your insurance company is the best way to know if your pendant is covered. If you have more than one type of insurance coverage like traditional Medicaid and Medicare, Tricare, VA Medical health care, or Supplemental Medicare, only a single plan might provide coverage for safety devices.
Government-Affiliated Insurance
The probable government–associated insurance plan that can cover medical alert pendants is Medicare Part C. The plan varies depending on the insurance company issuing the policy. If the insurance plan doesn’t explicitly state that it covers wearable devices, you may get coverage by asserting that the device is essential for your health.
Private Insurance
If Medicare fails to meet the cost of the medical alert pendant, can you go through a private insurance company? It depends; some insurers will ask you to get a medical pendant if you are at a high risk of falling or experiencing some medical emergency at home. Before buying a medical alert pendant, talk to your insurance company to see if you qualify for some reimbursement. Having your doctor recommend or approve you get an alert pendant can increase your chances of getting coverage from your insurer.
Insurance Coverage Moving Forward
Insurance coverage plans vary, so look for a plan that meets your needs today and in the future to be sure that you remain covered. A medical alert necklace is a worthwhile investment in your well-being and safety. Whichever way you cover its costs—whether getting coverage from your insurance company or paying the bill yourself—the device’s benefits outweigh the cost. Some medical alert devices and service providers can offer you the most reliable medical alert pendant at a budget-friendly price.
