Ways to pay for walk-in tubs. Which options will help and which won’t?
Tubs and showers cause threats to people of all age. Slipping falling and tripping, are some of the hazards of showering and bathing. But no one is as much at risk as seniors because they are more likely to slip. And recovering from a fall can get tough and sometimes impossible for senior people. For additional common questions about walk-in tubs visit Hints for Seniors.
Bathrooms have some of the biggest falling threats for older adults. And it’s the steam or water that makes the surface slippery. But one of the largest hazards is climbing over the edge of the tubs. Climbing over a bathtub edge to get into the water requires strength and balance that can become compromised with age. For this, special tubs have been built so that older adults can have a relaxing bathing experience called the walk in tubs.
So if you have decided to purchase a walk-in tub, it’s time to figure out how to pay for it.
Does insurance pay for walk-in bathtubs?
There are many people who think that insurance, Medicare or other federal programs will help you pay for it. But unfortunately, as these tubs are considered a choice rather than medical necessity, people will not get any help from them.
Here I have highlighted some options, where you can understand which of them can help you pay for your walk-in tubs and which of them don’t.
These are the options that will help you:
The U.S. Department of Agriculture: The United States Department of Agriculture sometimes pays for walk-in tubs. For the older adults and low-income, it might be possible to qualify for funding so that one can get a walk-in tub for his bathroom.
Veteran aid: Although it’s not common, people having a medical necessity for a safety tub related to military service might get partial or full coverage for a walk-in tub. It is worth checking with the local Veteran aid office to find out.
State assistance programs: Your state might provide funding dedicated to the health of older adults depending on where they live. It better to contact your state’s Department of Health and Safety to check out and learn more about it.
Nonprofit groups: Some non-profit or non-governmental institutes might help older adults in low-income communities to install a walk-in tub to save some installation costs. Yet, they will not typically cover the cost of the tub completely itself, so you will still need to spend some bucks.
Rebates: You might qualify for a rebate from the manufacturer after you install a tub. Ensure you compare all manufacturers so that you get the best deal.
Tax deductions: If the walk in tub is a medical need, it is possible to deduct the charge of the walk in tub and installation on your tax return but In some cases. But for this, you might need a note from a medical expert to prove that it is medically necessary.
Financing: Almost all walk-in tub manufacturers provide financing options. You can either go for a plan with the manufacturer itself or get financing via a home improvement store or a trustworthy dealer.
Medicade: The assistance of Medicaid varies on a state by state basis. The Medicaid also offers financial assistance for the purchase as well as installation of a walk-in tub.
These are the options that will not help you
Insurance: Since walk-in tubs mostly are considered as a choice and not medical necessity, there is no option that the insurance will pay for your tubs.
Medicare: Medicare currently does not cover the cost of your walk-in tub, but you can go for other ways to make the buying work for you. If you make walk in tubs an utter medical necessity, then Medicare might offer backing in the form of reimbursement after you buy. Otherwise, they will not help you in buying you the tub.
What about medical expense?
Whether you are a guardian to an elderly dependent person who needs bathing assistance, tax deduction can help you reduce over the cost of a walk-in tub once it is considered as a medical expense as medical expense is tax deductible.
Walk-in tub is indeed a great help for older adults for bathing. And, as we have highlighted all the options where you can try out make them pay for your tub or bear the cost of installing it, it will be easier for you to get one.