Last Updated: September 24, 2026
Medical alert systems, the pendants and wristbands with a help button connected to a 24/7 monitoring centre, are one of the most common purchases families make when an older relative lives alone. With monthly fees that add up over years, it is natural to ask whether Medicare will help. The short answer is that Original Medicare does not cover them, but there are several other routes that may reduce or eliminate the cost. This guide explains where coverage can come from and how to check your options. Medicare rules and plan benefits change every year, so always confirm details with your plan or with Medicare directly.
Quick answer: Our top pick in 2026 is the Original Medicare (Parts A/B) — our #1 rated choice. See the full ranked comparison, alternatives and buying advice below.
Why Original Medicare does not pay
Original Medicare (Part A and Part B) covers durable medical equipment (DME) that is medically necessary and primarily serves a medical purpose, such as walkers, hospital beds and oxygen equipment. Medical alert systems, formally called personal emergency response systems (PERS), are not classified as DME because they are considered a safety and convenience service rather than a medical treatment. As a result, Parts A and B do not pay for the device, the monitoring subscription or installation.
Where coverage may be available
| Source | Covers medical alerts? | How to check |
|---|---|---|
| Original Medicare (Parts A/B) | No | Not applicable |
| Medicare Advantage (Part C) | Some plans, as a supplemental benefit | Plan’s Evidence of Coverage or member services |
| Medicaid / HCBS waivers | Often, in many states | State Medicaid office or Area Agency on Aging |
| Veterans Affairs | Possibly, for eligible veterans | VA care team or social worker |
| Long-term care insurance | Sometimes | Policy documents |
| HSA/FSA funds | Often eligible expense | Plan administrator |
Medicare Advantage plans
Medicare Advantage plans, offered by private insurers, can include extra benefits beyond Original Medicare. Some include a personal emergency response system at no additional cost, often through a partner company, and sometimes limited to members with certain conditions or after a hospital discharge. Benefits vary by plan, county and year. To check, look for “personal emergency response system” or “PERS” in the plan’s Summary of Benefits or Evidence of Coverage, or call member services. If you are shopping for a plan, the Medicare Plan Finder on Medicare.gov lets you compare extra benefits.
Medicaid and state programs
For people who qualify for Medicaid, particularly through home and community-based services (HCBS) waivers designed to help people stay at home instead of moving to a nursing facility, medical alert systems are frequently covered. Eligibility depends on income, assets and care needs, and programs vary widely by state. Dual-eligible individuals, who have both Medicare and Medicaid, may find this coverage through their Medicaid benefits or a Dual Special Needs Plan. Your local Area Agency on Aging can explain what is available.
Other ways to reduce the cost
Veterans benefits
The VA may provide medical alert devices for eligible veterans as part of their care plan. Ask a VA primary care provider or social worker.
Tax-advantaged accounts
Many medical alert systems are considered eligible expenses for health savings accounts (HSAs) and flexible spending accounts (FSAs). Some families also ask a tax professional whether costs count toward medical expense deductions.
Provider discounts
Many companies offer discounts for annual prepayment, AARP or other membership organisations, or waive equipment and activation fees. Monthly costs commonly range from about $20 to $50, with fall detection often adding $5 to $15 per month.
Local programs
Some hospitals, fire departments and nonprofit organisations run low-cost or free medical alert programs for older adults with limited incomes.
Questions to ask before signing up
Whether paid for by a plan or out of pocket, ask about contract length and cancellation terms, what happens if the device is lost or damaged, response times at the monitoring centre, whether fall detection is included, battery life for mobile units, and whether caregivers receive alerts. Plan-provided devices may have fewer options than private purchases, so compare features.
Beware of “free from Medicare” offers
Scammers sometimes call seniors claiming Medicare is offering a free medical alert device and then ask for a Medicare number or bank details. Medicare does not call people to offer medical alert systems. Do not share personal information with unsolicited callers; report suspicious calls to 1-800-MEDICARE.
FAQ
Does Medicare Part B cover fall detection devices?
No. Fall detection pendants and medical alert systems are not covered by Original Medicare Part A or Part B. Some Medicare Advantage plans may include them as an extra benefit.
Can Medicaid pay for a medical alert system?
In many states, yes, especially through home and community-based services waivers for people who need help to live safely at home. Contact your state Medicaid office to check eligibility.
Bottom line
Original Medicare does not cover medical alert systems, but a Medicare Advantage plan, Medicaid waiver, VA benefits or HSA/FSA funds may cover or reduce the cost. Check your plan documents, contact your local Area Agency on Aging, and be wary of unsolicited calls offering “free” devices.
Ready to decide? Our #1 pick for 2026 is the Original Medicare (Parts A/B).
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