Many people are surprised to learn common home accessibility modifications such as stair lifts, ramps, and barrier-free showers are not usually covered by most standard health insurance policies or Medicare.It stands to reason that equipment that makes living at home safer for people with limited mobility due to injury, illness, or aging would be covered by these funding sources. Unlike standard medical equipment such as a wheelchair or commode, accessibility equipment is typically installed and attached to the structure of the home, making it ineligible for insurance or Medicare coverage under current standards.
Home access modifications are essential for many people who have limited mobility due to traumatic injury, progressive illness or aging. These types of adaptations allow many people stay in their current homes and live as independently as possible. Unfortunately, most health insurance policies and Medicare do not typically cover common home modifications such as ramps, stair lifts, wheelchair lifts, and accessible bathing systems.