Affordable Solutions for Home Care Equipment for Seniors

A woman stands with her elderly mother who is using a walker, a type of home care equipment for seniors.
For many people, Medicare and VA benefits can help cover the cost of necessary home care equipment for seniors.

Do you think an aging loved one could benefit from enhanced safeguards in the shower or bathtub? Does he or she require a walker or rollator to move around? If so, it’s likely that you’ll soon be looking to purchase the in-home assistive devices that so many families depend on to keep older adults safe. It’s also likely that you’re questioning how to cover the cost for these assistive products, and if any of them may be covered through Medicare or insurance.

Like home care services, there are several different possibilities when it comes to buying the home care supplies and equipment to keep senior loved ones safe. Below are some of the methods available to help you or a loved one in acquiring home care equipment for seniors.

If the older person has Medicare Part A and is qualified for the Home Health Benefit, then Medicare will cover 80 percent of the allowable expense for medically required durable medical equipment. If an older person is covered by Medicare Part B, he/she is not required to qualify for the Home Health Benefit, and Medicare will cover 80% of the allowable amount for medically necessary durable medical equipment.

Veterans’ Administration (VA)

The Veterans’ Administration is especially helpful in furnishing durable medical equipment to individuals who qualify. Veterans or the spouse of a veteran may be qualified for benefits.

Other Methods to Pay for Home Care Equipment

If someone is not qualified for Medicare or to obtain benefits from the Veterans’ Administration, there are alternate methods to help cover the expense for home care products to keep seniors safe. Below are several tips for utilizing long-term care or health insurance and private finances to afford the equipment needed:

Long-Term Care Insurance/Health Insurance

If the devices or supplies required are medically necessary, they might be partly covered by some private insurance providers. Coverage is either based on the person’s coverage, or, if the person seeking coverage is a dependent, then the family policy should be evaluated for details on dependent coverage.

Keep in mind, though, that while having your insurance provider cover some of the expenditure may seem like the best idea, it may be possible to find the products you need at an “out of network” supplier with a discounted price.

Private Finances

If an older loved one is in need of home care equipment that is not covered by private insurance, consider looking into equipment rental solutions or previously owned items such as wheelchairs, scooters, and accessible vans. Used equipment may be found in disability publications as well as on websites such as craigslist.org, eBay.com, and UnitedAccess.com.

If you’d like further support either in locating or buying home care equipment for seniors, contact Heaven at Home Senior Care today. We can provide a complimentary in-home consultation, make equipment recommendations, arrange for order and delivery, and answer any other home care questions you may have. Contact us online or call us at 940-380-0500 in Denton or 972-245-1515 in Dallas. We are proud to offer home care services to seniors in Plano, University Park, Denton, and throughout North Central Texas.