Is Life Alert Covered By Insurance?

You may have seen the Life Alert commercials on TV: a senior citizen falls down, pushes a button on a necklace or bracelet, and then help arrives. It’s a service that can give seniors and their families peace of mind, knowing that help is just a push of a button away. But what many people don’t know is that Life Alert is not covered by insurance. In fact, most health insurance policies will not cover the cost of personal emergency response systems (PERS), like Life Alert. So, if you’re considering getting a PERS for yourself or a loved one, you may be wondering how you will pay for it. In this blog post, we will explore the cost of Life Alert and some possible ways to pay for it.

What is Life Alert?

Life Alert is an emergency response system that provides protection for seniors who live alone. It offers peace of mind by allowing users to summon help with the touch of a button, 24 hours a day, 7 days a week.

When an emergency arises, users can push a button on their Life Alert pendant or bracelet which will immediately connect them to a trained operator at one of Life Alert’s three state-of-the-art monitoring centers. The operator will assess the situation and dispatch the appropriate emergency responders – whether it be paramedics, firefighters, or police.

Life Alert’s services are not only limited to medical emergencies; their operators will also contact a designated family member or friend if the user is unable to communicate. In addition, the system can be set up to automatically call for help if the user falls or is unresponsive for an extended period of time.

For seniors who live alone, Life Alert provides much-needed protection and peace of mind. With just the touch of a button, users can summon help 24/7 – knowing that someone will always be there to assist them in case of an emergency.

What Does Life Alert Cover?

Life Alert is a medical alert system that provides 24/7 monitoring and protection for seniors and other vulnerable adults. The system includes a base unit, which is connected to the home’s telephone line, and a wearable pendant or bracelet. When activated, the pendant or bracelet sends a signal to the base unit, which then contacts the Life Alert call center. A trained operator will speak with the individual through the base unit and determine if there is an emergency. If so, the operator will contact emergency services and stay on the line until help arrives.

The Life Alert system can be used for any type of emergency, including falls, medical emergencies, and fires. It can also be used to provide peace of mind for loved ones who live far away or who may not be able to check in on their loved one as often as they would like.

Life Alert is not covered by insurance, but it may be covered by Medicare or Medicaid. Medicare does not cover the cost of subscription fees for medical alert systems, but it may cover some of the costs associated with installing the system in your home. Medicaid coverage varies from state to state, but some states do cover medical alert systems.

How Much Does Life Alert Cost?

There are a variety of Life Alert systems available, each with different features and price points. The basic system starts at $29.95 per month, while the most comprehensive system costs $49.95 per month. There is also a one-time activation fee of $95.

Some insurance companies offer discounts on Life Alert systems, so it’s worth checking with your provider to see if you’re eligible for any savings. You may also be able to get a discount if you pay for a year’s worth of service upfront.

Is Life Alert Covered By Insurance?

The short answer is yes, Life Alert is covered by insurance. However, the coverage will vary depending on your individual policy. You’ll need to check with your insurer to see what, if any, coverage they provide for Life Alert.

Life Alert is a medical alert system that provides 24/7 monitoring and protection for seniors and other adults who live alone. The system includes a base unit that is connected to the home’s phone line and a wearable pendant or bracelet with a panic button. If an emergency arises, the user can press the button to summon help from Life Alert’s monitoring center.

There are many different insurers out there, so it’s impossible to say definitively how much coverage you’ll get for Life Alert. However, most policies will at least partially cover the cost of the system as well as any monthly monitoring fees. Some policies may also cover additional features like GPS tracking or fall detection.

So if you’re considering getting Life Alert, be sure to check with your insurance provider to see what kind of coverage they offer. With a little bit of research, you should be able to find a policy that gives you the peace of mind you need without breaking the bank.

How to Get Life Alert Coverage

There are a few different ways to get life alert coverage. The most common way is to purchase a standalone policy from an insurance company. However, some companies offer life alert coverage as an add-on to their health insurance policies. Finally, some employers offer life alert coverage as a benefit to employees.

If you’re interested in purchasing a standalone life alert policy, there are a few things you need to keep in mind. First, make sure the policy covers the type of device you’re using. Second, be aware of the coverage limits and make sure the policy meets your needs. Finally, check to see if the policy has any exclusions that could prevent you from making a claim.

If you’re interested in getting life alert coverage through your health insurance policy, contact your insurer to see if it’s available as an add-on. If it is, they’ll be able to provide you with more information about the coverage and how it works.

Finally, if your employer offers life alert coverage as a benefit, be sure to read over the details carefully. Some employer-sponsored plans have strict eligibility requirements, so it’s important to understand what those are before enrolling.


No matter what your age, it’s always a good idea to be prepared for an emergency. That’s where Life Alert comes in. Life Alert is a service that provides 24/7 monitoring for seniors and other vulnerable adults who live alone. But one of the questions we get asked most often is, “Is Life Alert covered by insurance?” The answer is that it depends on your individual policy. Some insurance companies will cover the cost of Life Alert while others will not. If you’re not sure whether or not your insurance company covers Life Alert, give them a call and ask.