Does Medicare Cover Wheelchair Ramps?
Posted on by Eric Rubel
Wheelchair ramps can be essential for getting in and out of the house when for those using a wheelchair, walker, or other mobility device. Even just a few steps at a house's entryway can be a major barrier, separating you from living an independent life at home. However, a wheelchair ramp can give you back your freedom and mobility.
So, if you landed on this page, the main question you're wondering about is if the cost of this life-changing home accessibility solution is covered by Medicare? We'll provide you the answer to that question and outline additional funding sources that may assist with cover the cost of a wheelchair ramp in the rest of this post.
Aluminum wheelchair ramp pricing starts at about $1,000 but can reach or exceed $10,000 depending on factors like ramp size, complexity of the installation, and desired features. Although this can be an expensive upgrade to your home, it’s a far less expensive option than moving to a senior complex or assisted living facility.
Unfortunately, Medicare does not typically provide any financial coverage for wheelchair ramps. However, the good news is that there are a variety of other avenues you can explore for financial assistance and Lifeway Mobility has listed some options to consider below.
Here’s Why Medicare Doesn’t Cover Wheelchair Ramps
- Original Medicare (Part A and Part B) typically does not cover the cost of wheelchair ramps because they classify ramps as “home modifications” rather than “durable medical equipment” (DME).
- Unlike wheelchairs or scooters, wheelchair ramps are not considered to be "medically necessary".
For Medicare to cover an item as DME, it must be:
- Primarily medical in nature
- Prescribed by a doctor
- Used in the home.
Wheelchairs and walkers could both be classified as DME. But since wheelchair ramps are attached to the home, rather than used in the home, Medicare does not consider them medical devices.
While a ramp can certainly aid your mobility, Medicare unfortunately does not view this as a medical necessity.
Alternative Funding Options for Wheelchair Ramps
Although Medicare won’t cover the cost of a wheelchair ramp, there are other potential sources that can assist you covering the cost. Before you pay out of pocket, take the time to explore these funding options:
Medicaid Waivers for Wheelchair Ramps
For those who qualify for Medicaid, there’s a more promising avenue for coverage: Home and Community-Based Services (HCBS) waivers. These waivers are designed to help individuals live independently in their homes and communities rather than in institutions. Many states utilize HCBS waivers to cover a range of services, which can include home modifications like the installation of wheelchair ramps.
Eligibility for Medicaid and its HCBS waivers varies significantly by state. Each state administers its own waiver programs, with specific criteria based on income, assets, and functional need. To find out if you qualify and if a wheelchair ramp would be covered, you will need to contact your state’s Medicaid agency or department of social services. This process can be complex, so starting early is recommended.
National & Local Funding Sources for Wheelchair Ramps
Many states and even some local municipalities have their own grant or loan programs to assist residents with disabilities or seniors in making their homes more accessible. Your local Area Agency on Aging or your state’s assistive technology program are excellent starting points for discovering these opportunities.
Service clubs, community-based charities, and non-profit organizations may also offer help to those in need of accessible home modifications, whether through direct assistance, grants, or resources. Check out the Lifeway Mobility funding sources page to get some ideas, and then research the organizations relevant to your needs. You can also contact us directly for assistance.
Veterans Affairs (VA) Programs
If you are a veteran, the VA offers significant support for home modifications. Programs like the Home Improvements and Structural Alterations (HISA) grant and the Specially Adapted Housing (SAH) grant can provide financial aid for accessibility modifications, including wheelchair ramps. Contact your local VA office to ask about eligibility and application procedures.
Used Wheelchair Ramps, Rental Ramps
Opting for a used wheelchair ramp can allow you to save up to 15% over the cost of a new ramp. Lifeway Mobility offers only certified pre-owned ramps that have been bought back from our own customers, which ensures its still in good shape and passed our inspection.
If you won’t need an accessibility solution long-term , consider renting a wheelchair ramp. Lifeway Mobility offers rental of our pre-owned modular aluminum units, including installation/removal, for a 1-3 month minimum rental period, depending on location. This is a great solution for renters as well as those who are recovering from an injury or surgery.
Finance a Wheelchair Ramp
If paying upfront is not in your budget, contact your local Lifeway Mobility to ask about financing options. The monthly payment when financing an aluminum wheelchair ramps start around $55.99/month. In many cases, we can help you get the ramp solution you need quickly, while offering affordable monthly installments.
Final Thoughts
While Original Medicare typically doesn’t cover wheelchair ramps, that doesn’t mean you’re without options. Exploring Medicaid waivers, state and local government programs, non-profit assistance, and specific veteran benefits can open doors to significant financial aid. With a little perseverance, you can find the support needed to install a wheelchair ramp, ensuring safer and more independent access to your home.
Contact us to learn more about funding options for wheelchair ramps or to schedule a free consultation.
