Mon–Fri 7am–6pm · Sat 8am–4pm
Varies by policy

Insurance & Long-Term Care Coverage

Some homeowner's insurance policies, Medicare Advantage plans, and long-term care insurance policies cover home safety modifications. Coverage varies significantly by policy and insurer. We help you verify coverage before your assessment so you know what to expect.

Eligibility Requirements

Medicare Advantage (Part C) plans may cover modifications with OT order
Long-term care insurance policies often cover safety modifications
Some homeowner's policies cover modifications after a covered event
Workers' compensation may cover modifications for work-related injuries

What's Covered

Grab bars (often covered with OT order under Medicare Advantage)
Walk-in showers (covered by many LTC policies)
Stairlifts (covered by some LTC policies)
Ramps (covered by some policies with OT recommendation)

How It Works

1
We review your insurance policy during the free assessment
2
We help you obtain an OT recommendation if required
3
We submit pre-authorization requests on your behalf
4
We provide detailed invoices in the format required by your insurer

Frequently Asked Questions

Does Medicare cover home modifications?

Traditional Medicare (Parts A and B) does not cover home modifications. However, many Medicare Advantage (Part C) plans do cover grab bars, shower modifications, and other safety items — often with an OT recommendation.

Does long-term care insurance cover aging-in-place modifications?

Many LTC policies include a home modification benefit. Coverage varies by policy. We help you review your policy and submit claims on your behalf.

Find Out If You Qualify

During your free in-home assessment, we'll review all funding options available to you — at no charge.

Free Assessment (541) 555-0192