For people with mobility issues, stair lifts can be life-changing. Ranging from simple to elaborate, these mechanical devices offer a safer and more practical way to move between a home’s levels. This helps older adults stay socially engaged at home by keeping all parts of the home usable.

If you’re considering installing this type of device for yourself or someone you care about, you may be wondering: Does Medicare cover stair lifts? 

Read on to learn about Medicare coverage for stair lifts, average stair lift costs, and financial assistance that can help make them more affordable. We’ll also tell you about alternatives if a stair lift isn’t the right fit for your needs. 

Does Medicare cover stair lifts?

No, Medicare does not typically cover stair lifts, since these devices are not classified as durable medical equipment (DME) under Medicare Part B.

Medicare and many other insurers view stair lifts as more of a home modification than a medical necessity: “Because stair lifts attach to the home’s structural components, insurers categorize stair lifts—alongside ramps, widened doorways and bathroom grab bars—as home modifications designed mainly for accessibility and convenience,” occupational therapist Celina Hawthorne told Consumer Affairs.

If you have Medicare and want to install a stair lift, you’ll be paying out of your own pocket unless you’re able to get financial assistance from other program or insurance policy.

The exception? If you have a Medicare Advantage (Part C) plan, check your policy. Some private Part C plans do provide limited coverage or allowances for home safety modifications that help prevent falls and other accidents. This isn’t common, though, and likely will only cover a small percentage of the cost, so contact your plan provider to get the details. See our guide on how to cover costs Medicare doesn’t cover.

What mobility aids are covered by Medicare?

While stair lifts aren’t covered by Medicare, there’s a silver lining: Medicare does pay for certain other mobility aids under its DME benefit if they’re deemed medically necessary by a doctor.

These may include:

• Wheelchairs and power scooters for people who have difficulty moving around their home
• Walkers, rollators, and canes for those needing help with stability
• Patient lifts (transfer lifts) to safely move someone from a bed to a chair, for example

To get Medicare coverage for these items, you’ll need a prescription from a doctor. You must also get them from a supplier approved by Medicare. Medicare typically covers 80% of the approved cost for an item, while you’ll be responsible for the remaining 20% after the Part B deductible.

Does Medicaid cover stair lifts?

Many state Medicaid Home- and Community-Based Services (HCBS) waiver programs offer financial support for stair lifts. Coverage varies by state, and the stair lift usually must be considered essential to your ability to remain safely at home—rather than moving into assisted living or a nursing facility. Medicaid also requires you to meet certain requirements for income and savings.

In some cases, Medicaid may fund the full cost of a home modification like a stair lift; in others, it may provide partial coverage or require prior authorization. Since each state sets its own rules, you’ll want to contact your state’s Medicaid office to learn what type of help is available.

Does private health insurance cover stair lifts?

Private health insurance plans rarely cover stair lifts, since—like Medicare—most view them as home modifications versus medical necessities. But if you have private insurance, it’s worth asking your insurer. Even if the stair lift itself isn’t covered, related costs (such as a physician’s assessment or installation of other mobility devices) may qualify.

Also, if you have a long-term care insurance policy, it may have allowances for home safety equipment. Reach out to your policy provider to find out.

Do veteran benefits cover stair lifts?

Yes—if you’re a veteran, you may have more options when it comes to financial aid for stair lifts. The U.S. Department of Veterans Affairs (VA) offers several programs that may offer help: 

• Home Improvements and Structural Alterations (HISA) grant: This provides funds for medically necessary home modifications, which may include stair lifts.
• Specially Adapted Housing (SAH) and Special Home Adaptation (SHA) grants: These are larger grants for veterans with certain service-connected disabilities.
• Temporary Residence Adaptation (TRA) grants: This type of grant is for veterans who need modifications in a family member’s home where they’re living temporarily.

Contact your local VA office to learn about eligibility requirements and application steps.

How much do stair lifts cost?

Installing a stair lift in your home can be a big expense. Stair lift costs vary depending on the type of lift, its features, and the installation requirements specific to your staircase. On average, you can expect to pay anywhere from $2,500 to $8,000 for a stair lift. Lifts for curved staircases and outdoor models are more expensive than simpler straight stair lifts.&

Are there used stair lifts you can buy?

If cost is a major concern, you may be able to save money by buying a used stair lift. These can range between $2,000 and $3,000, with the exact cost dependent on the model, its condition, and whether installation is included.  

While buying a pre-owned stair lift can make this purchase more affordable, it’s important to be a savvy consumer, says Dorothea Vafiadis, Senior Director of NCOA’s Center for Healthy Aging. “A stair lift can provide a sense of freedom, but make sure any lift you consider has been thoroughly inspected and reconditioned to meet the original manufacturer specifications,” she explained.

Look for one that comes with a warranty or service plan from the reseller. Without these assurances, you might save money up front but then risk costly repairs down the road,” she said.

How much does it cost to rent a stair lift?

Renting can be another cost-saving option, especially for short-term needs. Many companies that sell new stair lifts also offer rental options, with terms that can last a few months or even several years. Shopping around pays off—some plans include free installation, maintenance, and removal when you’re done. In some cases, you may even have the option to “rent-to-own.”  

Stair lift rental rates usually range from $300 to $500 per month. “Keep in mind there may be additional fees on top of the monthly rental cost, such as a security deposit and equipment installation costs,” said Vafiadis. “Renting a stair lift typically only makes financial sense if you’re doing it for a short period of time. When you’re renting a lift for longer periods, the rental costs can quickly add up to, and even exceed, the price of owning one outright.” 

Other ways to save on a stair lift 

If Medicare and insurance don’t cover the cost of a stair lift, consider these options: 

• Flexible Spending Account (FSA) or Health Savings Account (HSA) funds: If your doctor writes a prescription, stair lifts may qualify as eligible expenses. This means you can use your tax-free dollars toward the purchase of a stair lift.
• Manufacturer or dealer discounts: Many sellers run seasonal sales or offer discounts on older models. Signing up for their email or mailing list can help ensure you’re alerted to deals. &
• Payment plans: Spreading out the cost into smaller payments can make a stair lift purchase more manageable. Some companies may even offer promotional interest-free financing options.

Where can I get help paying for a stair lift?

Beyond Medicare, there are several programs and organizations that may provide financial aid for stair lifts: 

Area agencies on aging (AAA)

Local aging services organizations often have information about grants, loans, and community resources that help older adults pay for home modifications. Visit the Eldercare Locator and search by ZIP code to find an agency near you. 

State Assistive Technology Programs

Most states operate assistive technology (AT) programs that provide low-interest loans or refurbished mobility equipment at reduced costs. Visit the AT3 Center website to find programs in your state.

Nonprofits and charities

Organizations like Rebuilding Together and Habitat for Humanity have programs designed to help older adults age safely at home. Contact them directly to see what kinds of assistance are available.  

Alternatives to stair lifts

What if you decide a stair lift isn’t right for you? Depending on your needs and home layout, there are other options to consider that can improve your mobility and independence:

1. Wheelchair lifts (platform lifts). These lifts move both a person and their wheelchair between the floors of a home. While more expensive than stair lifts, they may be necessary for people who cannot transfer easily. See our guide to the best wheelchair lifts.
2. Walkers and rollators. If you only need help with balance, a walker may be enough to help you get around your home and public spaces more easily. And fortunately, it’s usually covered by Medicare.
3. Handrails and grab bars. Installing additional handrails or grab bars can make your home environment safer at a much lower cost. Medicare does not cover these items, but you may be able to get financial assistance through Medicaid waiver programs, local and nonprofit programs, and VA grants.
4. Home remodeling. Converting a downstairs room of your home into a bedroom or installing a roll-in shower in a first-floor bathroom can sometimes be a better long-term solution than relying on stairs.

Frequently Asked Questions (FAQ)

How do I know if my insurance covers stair lifts? 
You’ll need to check directly with your carrier to see if your plan provides financial aid for stair lifts. Coverage varies by provider and plan. 

What documentation do I need for insurance coverage? 
Usually, you’ll need a doctor’s prescription and medical records that demonstrate why a stair lift is a medical necessity.

Can I use FSA or HSA funds for stair lifts? 
Yes, with a physician’s prescription, stair lifts typically qualify as an eligible expense. This means you can use your tax-free FSA/HSA funds toward the purchase of one of these devices.

Is a stair lift considered durable medical equipment? 
No. Medicare does not classify stair lifts as durable medical equipment (DME), which is why they are not covered under Part B (Medical Insurance). DME is equipment prescribed by a health care professional to serve a specific medical purpose. Some examples include hospital beds, respiratory devices, wheelchairs, and blood glucose monitors.&

For more information:

• Find out how to buy the best stair lift for your needs.
• Explore our guide to buying a used stair lift.
• See our review of the best medical alert systems available today.