Insurance Options
Medicare
Medicare Part B covers durable medical equipment (DME) like wheelchairs but does not reimburse wheelchair ramps. However, Medicare Advantage plans (offered by private insurers) may provide coverage for ramps, depending on the specific plan and location. Be sure to consult a private insurance agent to review policies and coverage options.
Medicaid
Medicaid, a federal program for low-income seniors and individuals with disabilities, offers two potential pathways for coverage:
- Regular Medicaid: In some cases, wheelchair ramps may be covered if deemed medically necessary, though this is difficult to qualify for.
- HCBS Waivers: Many states offer Medicaid Home and Community Based Services (HCBS) Waivers that cover ramps as home modifications. Check your state’s Medicaid Waivers for more information.
Non-Profit Assistance
For non-veterans, several national nonprofits offer financial aid for home accessibility modifications:
- AccessABILITY Experience: Provides grants and volunteer labor for low-income families.
- Rebuilding Together: Assists with home modifications, including ramps, handrails, and safety improvements.
- National Directory of Home Modification Resources: A state-by-state directory for finding financial aid for wheelchair ramps.
- Centers for Independent Living: Local resources that help with funding and guidance for access solutions.
Assistance for Veterans
Veteran-Directed Home and Community Based Services Program (VD-HCBS)
This program offers assistance for veterans requiring nursing-home-level care but who prefer to live at home. It covers home accessibility modifications like wheelchair ramps.
Additional options include:
- TRICARE for Life: Supplements Medicare Part B, covering co-pays for ramps.
- VA Specially Adapted Housing (SAH) Grant: Provides barrier-free homes for veterans with service-connected disabilities.
- Home Improvements and Structural Alterations (HISA) Grant: Covers necessary home modifications for veterans with or without service-connected disabilities.
Government Loans and Grants
Home Improvement Loans
Homeowners may qualify for government loans like the 203(K) Rehab Mortgage Insurance to cover home accessibility modifications. Contact your state’s Department of Housing and Urban Development (HUD) for loan programs.
State Assistive Technology (AT) Projects
Many states have programs to help finance assistive technology, including ramps and other accessibility modifications. Check your state’s Assistive Technology project for more information
Assistance for Seniors
Social Security Administration
The Social Security Administration provides disability and retirement benefits for seniors over the age of 80. Visit ssa.gov for details on eligibility and benefits.
We’re here to help you find the best funding solution for your accessibility needs. If you have any questions, contact us to explore the funding and payment options available to you.