Are Stair Lifts Covered By Health Insurance

Many individuals frequently inquire about the coverage of stair lifts under insurance policies.

Regrettably, in most cases, insurance does not cover the cost of stair lifts.

Many customers mistakenly believe that popular Medicare Advantage providers such as AARP, Blue Cross Blue Shield, Aetna, United Healthcare, Cigna, and Humana might cover stair lifts.

In this article, we will analyze the policies of these insurance providers regarding stair lift coverage. It is important to note that this discussion specifically pertains to Medicare Advantage Plans.

Health insurance coverage for stair lifts
The coverage of stair lifts by health insurance policies may vary depending on the policy and the insurance company that provides it: Photo source (Healthline)

If you are interested in understanding why Original Medicare does not cover stair lifts, please refer to our Medicare article.

For detailed information about a specific provider, you can use the following links:

  • AARP
  • Blue Cross Blue Shield
  • Aetna
  • United Healthcare
  • Cigna
  • Humana

When researching whether your insurance covers stair lifts, exercise caution.

Many customer service representatives may not be familiar with what a stair lift entails, leading them to mistakenly claim coverage.

While insurance companies often cover “Seat Lifts” and/or “Lift Chairs,” these are different from stair lifts.

Seat lifts or lift chairs are designed to assist individuals in getting out of chairs or recliners more easily.

AARP does not cover stair lifts, categorizing them as convenience items rather than medical necessities according to Medicare guidelines.

Does Blue Cross Blue Shield Cover Stair Lifts?

No, Blue Cross Blue Shield does not cover stair lifts. The policy states “Chair lifts (i.e., stairway elevator-like devices) and/or modifications to vehicles are not in benefit.”

Does Aetna Cover Stair Lifts?

No, Aetna does not cover stair lifts. Aetna does not cover home modifications like platform lifts, stair lifts, elevators, or stairway elevators, as per their policy.

The policy can be viewed directly on their website: Aetna Stair Lift Policy

Does United Healthcare Cover Stair Lifts?

No, United Healthcare does not cover stair lifts. Their policy excludes coverage for stair lifts and stair glides.

United Healthcare’s policy can be viewed here: United Healthcare Stair Lift Policy

Does Cigna Cover Stair Lifts?

No, Cigna does not cover stair lifts. Insurance does not cover stairway chairs/stair lifts because their policy considers them non-medical, convenience items, and not medically necessary.

The policy can be viewed directly, here: Cigna Stair Lift Policy

Does Humana Cover Stair Lifts?

No, it is unlikely that Humana covers stair lifts. While we have been unable to find a policy specifically excluding stair lifts from coverage, it is highly unlikely that Humana covers stair lifts.

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