American Standard walk-in tubs cost between $5,202–$14,497 before installation, depending on the size and therapy type. Soakers tend to be the most affordable, while combination tubs sit higher in the price range. Shop at your local Home Depot or Lowe’s before shopping online if you’re looking for American Standard tubs with low starting prices.
If you’re interested in the Acrylic Luxury Series, expect to pay between $9,140–$14,497 before installation. The Gelcoat Value and Premium Series walk-in tubs are $7,165–$12,366, which are slightly less expensive due to the less durable material. The most affordable tub is the Gelcoat Entry Series, which ranges between $5,202–$6,651 but offers the fewest perks. If you’re looking for the most luxurious American Standard walk-in tub, opt for the Liberation Series, but you need to book an in-home consultation to get your specific price. For reference, our Reviews Team member received an estimate of $14,120 for the tub plus an additional $3,280 for installation for a 32-inch-wide, 58-inch-long tub space.
Will insurance cover my American Standard walk-in tub?
Private and government-funded insurance rarely covers the cost of a walk-in tub because they’re not listed as covered durable medical equipment by original Medicare. Medicare Part B and Medicare Advantage (Part C) are more likely to cover a walk-in tub if it’s deemed medically necessary by your doctor.
According to Brittany Ferri, an occupational therapist based in Rochester, New York, Medicare is more likely to cover a walk-in tub if other solutions are not an option, like using a portable shower chair. Insurance plan policies vary, so call just in case they offer partial coverage in your circumstance.
Medicaid offers funding opportunities, although they vary among plans and states. For example, you can apply for Home and Community Based Services waivers if you have cognitive and physical needs that qualify for assistance. Call your local Medicaid office to see how you can qualify for a waiver. They may also provide additional opportunities depending on your state.
How to save on an American Standard walk-in tub
If insurance doesn’t cover your walk-in tub, there are other ways to lower the cost, like shopping in home improvement stores, searching for local programs, financing, and looking for deals.
Shop your local home improvement store
Home improvement stores, like Home Depot and Lowe’s, offer American Standard walk-in tubs at a significantly lower cost. For example, the American Standard website lists the Acrylic Luxury Series soaker starting at $9,140. If you look at the Lowes website, the same tub starts at $5,509.
Don’t limit your search to American Standard tubs on home improvements store websites. Both Home Depot and Lowe’s list Safety Tubs as a separate walk-in tub brand, despite it being an affiliated company. Many Safety Tub models are identical to the American Standard Gelcoat Entry Series. For example, this Safety Tub with combined therapies has the same product description and spec sheet as its American Standard counterpart for more than $2,000 less.
You can try using online tools, like NCOA’s BenefitsCheckUp, to see what’s available in your area by entering your ZIP code and selecting the assistance you need.
Contact your local area agency on aging or center for independent living to learn what’s available in your community. “One [resource] is the Section 504 Home Repair Program, which is a good option for those in rural areas who may not have access to contractors and other professionals otherwise,” said Ferri. This program is also known as the U.S. Department of Agriculture’s (USDA) Rural Repair and Rehabilitation grants and loans, which can also help cover costs of major home modifications.
Programs such as Rebuilding Together, Habitat for Humanity, and other local programs are available in many parts of the country that help low-income older adults and people with disabilities purchase and install walk-in tubs.
If you’re not sure what you need to accommodate your mobility needs, also consider an evaluation by a physical or occupational therapist. You can find occupational therapists with home modification experience at the Home Modification Occupational Therapy Alliance. They can help you decide if a walk-in tub is best for you and what customizations are worth purchasing. Or they may offer alternatives that are more effective and affordable.
American Standard Walk-In Tubs currently offers 12-month, no-interest financing with at least 10% down, but your total purchase must be more than $10,000. Be aware that your monthly interest rate will jump to 17.99% for any leftover balance after the 12-month period. You must apply for financing at checkout with an American Standard representative.
If you purchase your walk-in tub from Home Depot or Lowe’s, they offer financing opportunities that may work for you. You can apply to Home Depot’s financing partner, Citibank, before starting your checkout process. Lowe’s partners with Synchrony, which also lets you apply as you browse with less pressure to commit.
The U.S. Department of Agriculture offers Rural Repair and Rehabilitation grants and loans to help low-income people who don’t qualify for other financing to modernize and upgrade their homes, including the addition of walk-in tubs. You can visit their website to find out more details and fill out an application.
Other ways to save
You can find deals on new and used American Standard walk-in tubs on Amazon and Ebay, but be careful shopping on these sites. Make sure the tub is in excellent condition before purchasing, as you will not have warranty coverage if something malfunctions. You’ll also have to contract your own installer, so you’re responsible for coordinating tub arrival with installation.
When shopping at retailers, don’t forget to ask about available discounts. For example, Home Depot offers a 10% discount for active military duty on purchases up to $400 per calendar year. You just have to register online and verify your status to receive your discount.
To learn more ways to save, read our article about walk-in tub prices and ways to cover cost.