November 21st 2023
By Ari Parker
Do you have questions about how Medicare covers stairlifts? Learn what is and isn't covered, plus tips for getting the best coverage for your stairlift needs.
By Ari Parker
It’s important to understand which medical devices and equipment are covered by Medicare and which are not. Stair lifts, unfortunately, are not covered by Medicare (Part A or Part B) because they aren’t considered durable medical equipment (DME). DME is the kind of equipment that Part B covers. Medicare considers stair lifts home modifications rather than DME.
There are a few ways you can get financial support for stair lifts through local and national organizations. Certain Medicare Advantage plans also may cover the costs of stair lifts, but this isn’t common, so you’ll want to check with your insurance provider to make sure.
Stair lifts are a good solution for people who want to stay in their homes but are unable to go up and down the stairs.
While much cheaper than elevators, stair lifts are still relatively expensive to install and also come with maintenance costs.
Unfortunately, Medicare doesn’t cover the cost of stair lifts.
There are other resources out there to help those in need get financial support to install stair lifts.
Unfortunately, Original Medicare (Part A and Part B) and Medicare Supplement (Medigap) plans do not cover costs associated with stair lifts. Because Medicare considers these devices home modifications rather than durable medical equipment (DME), Medicare does not include coverage for stair lifts.
In certain circumstances, if deemed medically necessary, you may get coverage for a stair lift with a Medicare Advantage plan. However, it’s important to check with your policy, as coverage for stair lifts is rare.
Medicare Part B covers the following medical equipment, but this list isn’t comprehensive. Make sure you check with your provider for specifics around the medical devices you need and how your Medicare coverage can help pay for them.
Blood sugar meters
Blood sugar test strips
Canes
Commode chairs
Continuous passive motion machines, devices & accessories
Continuous Positive Airway Pressure (CPAP) machines
Crutches
Home infusion services
Hospital beds
Infusion pumps & supplies
Lancet devices & lancets
Nebulizers & nebulizer medications
Oxygen equipment & accessories
Patient lifts
Pressure-reducing support surfaces
Suction pumps
Traction equipment
Walkers
Wheelchairs & scooters
In order to be eligible for coverage, you’ll need to get a doctor’s written order for your medical device. If you need help paying for a mobility device, you’ll also need to meet the requirements for limited mobility.
Stair lifts help people with mobility challenges get up and down the stairs. They are professionally installed devices that hook a chair onto a track following a set of stairs upwards. A person sits on the chair at the bottom or top of a staircase, secures a seatbelt or safety bar, and pushes a button on a remote to glide up and down the stairs as needed.
Stair lifts provide tremendous benefit for people with mobility challenges, including those with arthritis, multiple sclerosis, and Parkinson’s disease. They’re also helpful for people who simply have trouble walking up the stairs due to balance issues or injuries. Stair lifts are often installed by people who choose to age in place and need support getting up and down the stairs in their home.
One of the alternatives to installing a stair lift is installing an elevator. By comparison, stair lifts are significantly less expensive and don’t require nearly as much construction. Of course, another option would be to move to a new home that only has one level, but many older adults wish to continue living in their current homes that are filled with memories.
Although stair lifts can provide invaluable support, there are a few drawbacks to keep in mind if you decide to install one in your home.
While cheaper than elevators, stair lifts are still relatively expensive, and can actually be very expensive, depending on the model and installation process. What’s more, the cost to maintain and repair stair lifts can be a burden. And, because stair lifts are not covered by Medicare, it can also be a challenge to find ways to fit a chair lift into your budget.
While it’s fairly easy to install stair lifts in spacious homes with wider staircases, the same can’t be said for small spaces. It can be challenging to install stair lifts in a home with more narrow or uniquely shaped staircases. If you need custom installations for a staircase with landings or turns, you’ll often have to pay more for home improvement costs.
While it’s fairly easy to install stair lifts in spacious homes with wider staircases, the same can’t be said for small spaces. It can be challenging to install stair lifts in a home with more narrow or uniquely shaped staircases. If you need custom installations for a staircase with landings or turns, you’ll often have to pay more for home improvement costs.
As mentioned above, the cost of a stair lift can vary depending on the complexity of the staircase layout. How your staircase is set up can affect how costly the installation process is as well. For example, a basic lift on a staircase with no curved layout can cost between $3,000 to $7,000. If you have a curved structure or other custom design, you may pay up to $30,000 (or more!) for a stair lift.
Other factors that affect the pricing of stair lifts include additional features and customization of the seat, whether or not you choose backup battery options, and ongoing maintenance of the stair lift.
While stair lifts can be costly, there are some ways to help make installing a chair lift more affordable. These include:
Renting: If you only need a stair lift temporarily, such as after an injury or medical procedure, renting can be a good option. Many companies also offer the opportunity to purchase the chair lift after renting if you feel you still need it.
Refurbished chair lift: Purchasing a used rather than a new chair lift can be more affordable. You’ll just want to ensure that you purchase from a reputable manufacturer to make sure the chair lift is safe and functional.
Straight stairs: Installing a chair lift on straight stairs rather than a curved staircase is more affordable. If you have the option, opt to install the chair lift on a straight set of stairs. If you have curved stairs with a landing, you may be able to install two straight stair lifts rather than pay for installation on a curved staircase.
Grants or tax credits: The Department of Housing and Urban Development provides home modification grants. These may help to pay for a portion of the cost of a stair lift. Some states also offer tax credits for chair lifts, provided that they are considered medically necessary.
Consider alternatives: While stair lifts can be a great way to maintain your mobility, there are other options. Stair climbers, mobile stair lifts, and ramps can be more affordable options that may work for certain situations.
While Medicare does not include coverage for stair lifts, you can find alternative financial assistance to help you pay for them.
If you are still on your employer’s insurance or you have private insurance, your insurance plan might cover a stair lift.. Check with your insurance provider.
Medicaid, a government program that provides free or low-cost insurance, may offer coverage for home modifications. Whether or not Medicaid can cover stair lifts depends on your individual circumstances, the state you reside in, and your insurance plan.
Veterans may be eligible for benefits that cover home modifications, including stair lifts. Get in touch with the VA to inquire about available programs.
Your state might have programs, grants, and services dedicated to assisting people with disabilities. Providing home modifications or helping with the cost of installation is one way some states provide financial support. Get in touch with your state's Department of Health and Human Services for more information.
Your local Aging and Disability Resource Center (ADRC) is a great place to seek information about accessibility concerns and financial assistance for equipment for people with disabilities. Use this Eldercare Locator to find your local ADRC.
Because stair lifts can be costly, many companies offer financing plans or other payment options so you can pay over time.
Nonprofit organizations like Rebuilding Together, a national organization dedicated to housing, provide financial resources to help pay for accessibility tools. Check with your local and national nonprofits dedicated to accessibility and people with disabilities.
While stair lifts can be helpful for people with mobility challenges, Original Medicare doesn’t cover stair lifts. Although stair lifts can be expensive, you can save money by renting a stair lift or purchasing a refurbished model. Non-profit organizations and state assistance programs may also help with the cost of a stair lift.
Medicare Part B covers some durable medical equipment that can help with mobility, such as crutches, walkers, and wheelchairs. If you have questions about Medicare coverage, including about stair lifts and other mobility devices, contact one of our licensed Medicare Advisors by calling us at (855)-900-2427.
