Medical Alert Systems are fantastic ways to be comfortable knowing that your loved ones have a way to get help in the case of an emergency. But they’re even more fantastic when they’re free. There are several insurance companies that will provide complementary Medical Alert Systems, but you may have to ask around to find the best way to get it covered for you. Your situation is different than your neighbor’s. They may have been able to get it for free, but you might not be able to.
Ask Your Insurance First
Whatever insurance you have, the first thing to do is just call and ask about if they will cover it or not. When you call and express your desire to get a Medical Alert, they will generally have some sort of solution for you. Your insurance, even if you have to pay some amount, might be able to offer you the best price available since you are already a customer.
Ask the Company’s Prerequisites for Coverage
Some medical providers will only supply the free Medical Alert Systems to people with pre-approved conditions. Talk to the insurance company before getting a system to know what they cover in your circumstances. You don’t want to buy something and later find out it isn’t covered by your insurance when you were expecting it to be.
There are several conditions that are more likely to be covered for a Medical Alert System:
People who have had strokes may be at risk for another stroke. They may also have difficulty moving like they used to be able to because of their stroke. This injury could act up badly during a much smaller injury.
People with heart conditions should be especially careful. Too much stress on the heart could result in a heart attack or other heart condition that leave you debilitated and in need of medical assistance.
Extreme Joint and Muscle Problems
A person with a knee replacement that is giving out may find it difficult to walk. There could likely be a day where the pain just becomes too much and the legs completely give out. You need to be able to get a hold of someone.
Some insurance companies will take these possibly serious conditions and understand that they deserve to have access to emergency care. Just in case.
Ask About Upgrades
Even if your insurance policy doesn’t cover Medical Alert, they may have different policies that do. Talk about how much more a month it would be to upgrade your policy. Compare this to the amount that you would have to pay for the unit out of pocket. When you talk about getting your Medical Alert covered for, be specific about the things you are expecting out of the coverage. Explain your needs so that they can be taken care of. Be sure to ask what other benefits you might get from the upgrade in your policy and how it will effect your current benefits. Don’t change your policy to accept the Medical Alert if you’re going to lose coverage of your expensive prescription pills because of it.
Talk to the Medical Alert Company
Several companies offer assistance in getting your Medical Alert covered by your insurance. Even when the insurance companies may not be so helpful, the company you plan to purchase a unit from might be. Don’t think t hat you are out of options because your insurance company told you no. There may be other ways to get it. The Medical Alert company should be well trained in options to consider to get you your unit. They want to make the sale, after all. There are certain government agencies who will provide it for you under the right circumstances. Tell an associate your situation and your medical history, and they can tell you how they can help. You may be surprised.
Medicare unfortunately does NOT cover Medical Alert Systems. When you want a Medical Alert System and you have Medicare, you may very likely have to pay for it out of pocket. Or look at options for better insurance. Sometimes, when you require more than just the Medical Alert, you should just upgrade your insurance to cover all of your medical needs.
Other Ways to Get Your Medical Alert System Covered
When your personal insurance isn’t covering your Medical Alert System for you, you might have other options. Medical Alert Systems are extremely useful and relatively inexpensive. There are a number of people pushing to get them to the people who need them, and you may very well qualify.
You may not get help through Medicaid, but that doesn’t mean that’s the only source available. In fact, your Medicare office may very well be able to guide you in the right direction if you don’t know where to look. You deserve to be protected, and you have been paying taxes for years for this moment. You deserve your Medical Alert, and there are plenty of people in the government who think you do to.
Don’t be too proud to take advantage of organizations specifically made to get Medical Alerts available to the people who need them. They are there so that you can get the care you need and aren’t being offered by your insurance company.
You deserve to be comfortable while living alone. When you start to get older, you want the confidence to know that you have access to help in the case of an emergency. You should not be required to pay for your Medical Alert, and you don’t have to. It’s a matter of safety and people understand this. People want to get you your Medical Alert. You just have to find the right people. Of course you want to start by talking to your own insurance to see what they can do for you. It depends on your personal situation, but they may be able to help you. When they can’t, you’re sure to find a way to get one.