Affording Stair Lifts for Your Home

Stair lifts are great things to have when you want to maintain independent living. If you are in great health but have difficulty with stairs, this is a viable option so that you can remain in your home. Unfortunately, many senior citizens are often discouraged from investing in this technology because they think that it is too expensive. Insurance doesn't often cover this home modification and neither does Medicare, but there are alternatives out there to help you afford this helpful technology.

Although Medicare does not cover the home modification cost, programs like Medicaid can if you work with a particular provider. If you qualify for a grant or a medical loan, you may be able to finance your purchase under a low annual percentage rate, or pay for it in part or in full upfront. There are organizations out there that are looking to help you acquire a stair lift. A little research can help illuminate your options.

If you have an insurance plan that includes the benefit of covering stair lift technology in part or in full, you will need to make sure that you have a doctor justify that you need one. Often without the justification, the insurance company will not fulfill the agreement. Talk with your doctor and see if they can recommend a lift for your home.

People who sell stair lifts can also offer you affordable payment plans and let you finance the purchase at a rate that you can easily handle monthly. They know that they are in the business of helping individuals, and their businesses are structured to deal with their customer base. You can meet with an installation professional right in your home, and they can easily give you a fair quote and discuss the range of options you have in your price range. You can also ask them any questions you may have about different systems and solutions.

With dealers, there are other ways to save on a stair lift. You can also seek out a firm that rents you the equipment instead of selling it to you. That way you can avoid the expensive long term costs of buying and save with an easy monthly payment. Many dealers also work with used equipment. It may not be top-of-the-line, but it is something in working condition that provides the solution you need.

Unfortunately for those with curved stairs, a straight stair lift will always be less costly because there is little to no customization necessary with its installation. Customized stair lifts will cost you more and may also take more time to complete the installation. You may want to consider other options if you cannot find the funds to complete a custom installation.

You deserve to be mobile. Make sure you explore all your options in both model choice and funds for the home modification. It may not be as expensive as you might think, and you could find ways to cover most or all of the cost. The first step is to talk to a professional installation company that can review your options with you and answer all your questions.