A stair lift is affordable compared with almost any alternative, but it is still a significant purchase for a household on a fixed income. If you are wondering where help might come from, this overview will point you in the right directions.
What will not pay
Original Medicare and most private health insurance do not cover stair lifts, because they class them as home modifications. A Medicare Supplement policy does not change that.
What might
- Medicare Advantage. Some plans include extra benefits for home safety. Call your plan and ask directly.
- Medicaid home and community-based services. Pennsylvania operates programs that help eligible older adults and people with disabilities remain at home, and home adaptations can be part of them. Your county’s Area Agency on Aging is the place to begin.
- Veterans benefits. Veterans with qualifying needs may be eligible for help with home modifications through the VA.
- Long-term care insurance. Some policies include a benefit for equipment or modifications.
- Nonprofits and local programs. Home repair and accessibility programs exist in many counties, often run by housing agencies or charities.
Tax considerations
The cost of a medically necessary home modification can sometimes be included in medical expenses. Ask a tax professional, and keep any letter from a doctor recommending the lift.
How to make the calls easier
- Get a written, itemized quote first
- Ask your doctor or therapist for a note explaining the need
- Keep a record of who you spoke to and when
- Ask each agency whether approval is needed before the lift is installed
If no help is available
Choose a straight lift with only the options you need, and ask your installer about payment arrangements.
We provide the quote
We cannot determine your eligibility for any program, but we can give you the document every program asks for. See our stair lifts, then call Nationwide Lifts of Pennsylvania on 570-217-8426 or request a free home assessment.
This is general information. Programs change, so confirm details with the agency or insurer.