Senior Adaptive Equipment Payment Sources You May Not Know About

Could your elderly loved one benefit from more stability in the bathtub or shower? Does she or he need a walker or rollator to move around? Then it’s very likely that you’ll eventually be in the market for in-home adaptive equipment. It’s also likely that you’re curious about how to pay for these assistive devices, and if any of them may be covered under insurance or Medicare.

Like home care services, there are several different options when it comes to paying for home care supplies and equipment. The following are a few of the solutions available to assist you or a loved one purchase home medical equipment:


If a person has Medicare Part A and qualifies for the Home Health Benefit, then Medicare will cover 80 percent of the permissible cost for medically essential durable medical equipment. If a senior is covered by Medicare Part B, he or she does not have to qualify for the Home Health Benefit, and Medicare will cover 80% of the permissible amount for medically necessary durable medical equipment.


Medicaid usually covers a broader variety of home care equipment and doesn’t have as many stringent specifications or limitations as Medicare.

Veteran’s Administration (VA)

The veteran’s administration is especially helpful in supplying durable medical equipment to individuals who qualify. Veterans or the spouse of a veteran may be qualified for benefits. Find out more here. Home & Hearth Caregivers is a member of the Senior Veterans Care Network and we strive to help seniors better understand Veteran Home Care Benefits so they can receive all benefits for which they qualify.

Other Methods to Cover the Cost of Home Care Equipment

If a person does not meet the requirements for Medicare or Medicaid, or receives benefits from the Veteran’s Administration, there are a couple other possibilities to help pay for home care products. Below are a few tips for making use of 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 required, they might be in part covered by some private insurance providers. Coverage is either based on the individual’s coverage, or, if the person seeking coverage is a dependent, then the family policy should be examined for specifics on dependent coverage.

Keep in mind, however, that although having your insurance company pay for some of the expense may appear to be the best deal, it is possible to find the products required at an “out of network” supplier with a reduced cost.

Private Resources

If you need home care equipment that is not covered by private insurance, look into equipment rental possibilities or formerly owned equipment such as wheelchairs, scooters and handicap vans. Used equipment advertisements may be found in disability newspapers as well as on websites such as,, and

If you need further assistance either in finding or purchasing home care adaptive equipment for your loved one, contact the in-home care experts at Home & Hearth Caregivers in Chicago today. We can provide a free in-home assessment, make equipment suggestions, arrange for order and delivery, and answer any other home care related questions you may have. Fill out our simple online contact form or call us at 800-349-0663.

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