How to Get a Free Medical Alert System for Seniors [An Honest Guide]

You just want a straight answer.

That’s exactly why I wrote this guide.

Here you’ll find the real programs that can actually help cover the cost of a medical alert system (also called a personal emergency response system or PERS), including info about medical alert buttons, fall detection, and monitored emergency services.

What Does a ‘Free Medical Alert System for Seniors’ Really Mean?

Before we get into the actual programs, let’s talk about what “free” really means in this industry.

It’s the biggest point of confusion, and honestly, knowing the difference will save you a lot of time and frustration.

When you see an ad for a “free medical alert system,” it almost always means one of three things:

• Free equipment, but you pay for monitoring: This is the most common offer from big retail brands. They’ll send you the device itself (the button and base station) for free, but the catch is you have to sign up for their 24/7 monitoring service, which usually runs between $20 and $50 a month.
• Fully covered through a program: This is the kind of “free” we’re really after. In this case, a program like Medicaid, the VA, or a local grant pays for both the equipment and the monthly monitoring fees. That’s a true free medical alert system.
• Short-term free trial: A lot of companies let you test their system for 14 or 30 days. It’s a good way to see if it works for you at home, or if you only need one during recovery from surgery. Just keep in mind, it’s not a permanent solution.

Now, obviously, the real goal for most seniors is to find a program that will cover the ongoing monthly monitoring costs, and that’s exactly what I’ll show you how to do.

How to Get a Medical Alert System for Free

Alright, let’s get into the part you really care about.

Those “100% free” offers you see in commercials?

Most of them are traps with hidden monthly fees.

But thankfully there are four real, legitimate ways to get the cost of a medical alert system fully covered.

The trick is matching the right program to your situation.

Here are the 4 options you have that actually work:

1. Through a Medicare Advantage (Part C) Plan

If you’re not a veteran, this is usually the most common route.

A lot of Medicare Advantage plans include benefits that Original Medicare doesn’t, like dental, vision, help with free hearing aids, and yes, sometimes personal emergency response systems (PERS).

Some plans will cover both the medical alert button and the monthly monitoring service. Check your plan’s benefits or call the number on your card to find out.

2. Through State Medicaid Programs

If your income is limited, your state’s Medicaid program may cover a system at no cost.

This usually happens through special waiver programs that help seniors stay safe at home instead of moving into a nursing facility.

Depending on your state, coverage may include the device, fall detection, and ongoing monitoring.

3. Through Veterans Affairs (VA) Healthcare

If you’re a veteran, the VA is hands-down your best option. Through VA healthcare, you may qualify for a fully covered medical alert system, including monitoring, at no cost.

These aren’t cheap systems either. The VA often provides high-quality devices designed to keep you safe 24/7. Talk to your VA doctor or local VA clinic to get started.

4. Through Local Grants and Non-Profits

Your local Area Agency on Aging should be your first call.

They know about every small grant, charity, or community program that can help cover the cost of medical alert devices.

Groups like the Lions Club, United Way, and local senior centers also step in with funding sometimes.

This is the best way to find local help that you won’t see advertised anywhere online.

Does Medicare Cover Medical Alert Systems?

This is, without a doubt, the number one question everyone asks.

The answer isn’t super simple, but I’ll break it down so it’s easy to understand.

The Rule: Original Medicare (Part A & B) Does Not Cover These Systems

If you only have Original Medicare, you’re out of luck.

Original Medicare doesn’t classify medical alert systems as “durable medical equipment.” That means it won’t pay for the device, the medical alert button, or the monthly monitoring service.

This is frustrating for a lot of seniors, but it’s an important fact to know before you start hunting for a system.

The Key Exception: Many Medicare Advantage (Part C) Plans Do

Now, here’s the good news…

Medicare Advantage plans (Part C) are a different story.

These are private insurance plans that are approved by Medicare, and they are allowed to offer extra benefits beyond what Original Medicare covers.

Many of these plans will actually cover a personal emergency response system (PERS), including the device and sometimes even fall detection features.

Coverage might come as a yearly allowance, an over-the-counter (OTC) benefit, or a “flex card” that lets you spend a set amount on health-related items. For most non-veterans, this is the fastest, most reliable way to get a system fully covered.

Your next step: Reach out to your local Medicaid office or your state’s Area Agency on Aging. Ask them specifically if Personal Emergency Response Services are a covered benefit in your area, either directly or through an HCBS waiver. This is the fastest way to see if you qualify.

Sounds complicated, right?

But it’s actually simple: if a personal emergency response system (PERS) helps a senior stay safe and live at home instead of moving into a costly nursing facility, Medicaid can justify covering it.

It’s the same logic they use for providing free transportation for medical appointments; it’s a win-win.

The senior stays independent, and the state saves money.

Understanding how Medicare and private insurance work is just the first step. For a complete overview of all the major programs, from housing to food, see my comprehensive guide to all the government benefits available to seniors

Does Medicaid Cover Medical Alert Devices?

Yes, in many cases, Medicaid can cover the full cost of a medical alert system. But it’s not automatic. Unlike Medicare, which has one federal rule, Medicaid is run by each state, so what’s covered really depends on where you live.

Most of the time, Medicaid won’t pay for the device on its own. Instead, it’s covered through something called Home and Community-Based Services (HCBS) waivers.

Sounds complicated, right?

But it’s actually simple: if a personal emergency response system (PERS) helps a senior stay safe and live at home instead of moving into a costly nursing facility, Medicaid can justify covering it. It’s a win-win. The senior stays independent, and the state saves money.

Can Veterans Get a Free System Through the VA?

If you are a veteran, the Department of Veterans Affairs (VA) is your absolute best first stop.

For eligible vets who need a medical alert system, the VA often covers the device with no out-of-pocket cost through authorized suppliers like Latitude USA and MedEquip Alert.

Important Note: The free VA medical alert systems typically call 911 directly rather than routing through a 24/7 monitoring center. While this provides emergency response, it may not be suitable for all situations compared to systems with professional monitoring services.

To get started, you’ll need to be enrolled in the VA health system and get a referral from your VA doctor. They’ll determine your medical need for the system and help you get set up through the VA’s Prosthetic and Sensory Aids Service.

You can find more details about this and other assistive technology benefits on the official VA Assistive Technology page. For general information about VA prosthetic services, visit the VA Rehabilitation and Prosthetic Services homepage.

Which Nonprofits and Charities Help Seniors?

If you don’t qualify for government help, your next best move is to check out local nonprofits and community groups.

These programs can vary a lot from place to place, but a few phone calls can often uncover a real gem.

Your Area Agency on Aging (AAA)

I’ve mentioned them before, but it’s worth repeating.

Your local AAA is a nonprofit, and its main job is to know about every grant or program in your area that helps seniors.

They are usually the #1 source for finding local financial assistance for a medical alert system.

Local Community & Service Groups

Many of the most helpful programs are not advertised nationally but are run right in your own community.

It’s always worth making a few calls to local groups like:

• Local Religious Groups & Senior Centers: Many local churches, synagogues, and community senior centers have small discretionary funds or special programs designed to help their members with essential safety items.
• The Lions Club: While famous for their work with vision and hearing, some local Lions Club chapters also have programs or funds to help seniors with other safety needs. It never hurts to call your local chapter and ask.
• United Way and 211: Your local United Way chapter can often direct you to specific funds or charities in your area that provide “senior safety” grants, which can be used to cover the cost of a medical alert system. Calling 211 is the fastest way to get connected with them.

A few phone calls to these community-based organizations can help you find unadvertised programs that are perfect for your situation.

Companies That Offer Free Equipment (with a Monthly Fee)

Now we get to where a lot of the confusion happens.

You’ll see big brands like Medical Guardian, Bay Alarm Medical, Life Alert, and ADT Health advertising “free equipment.”

Sounds great, right?

Well, here’s what’s really going on…

These are sales promotions, not actual assistance programs. They’ll waive the upfront cost of the device (usually $100–$300), but you have to sign up for their monthly monitoring service, which can cost $20–$50 per month, and sometimes comes with a long-term contract.

If you decide to go this route, covering that monthly bill is a key consideration. To help with your budget, you might want to explore my guide on practical ways to earn extra income for seniors.

Now this can still be a good deal if you were planning to buy a system anyway, but it’s not really free.

Here are some of the well-known companies that often run these offers:

• Medical Guardian
• Bay Alarm Medical
• Life Alert (which is known for having higher monthly costs and long-term contracts)
• ADT Health

Again, remember that “Free” usually just means you don’t pay for the device itself. You’ll still pay the mandatory monthly fee for 24/7 monitoring every single month.

Your Handy Guide to Getting Help (Checklist & Script)

Okay, now that you know who to contact, let’s get you prepared for the conversation.

Walking in with the right information can make the whole process faster and less stressful.

Documents You’ll Probably Need

While the requirements will vary by program, having these basic documents in a folder and ready to go will cover what most agencies ask for:

• Your Health Insurance Cards: Have both your red, white, and blue Medicare card and your private Medicare Advantage plan card ready.
• A Note from Your Doctor: Some programs, especially the VA and Medicaid, may require a referral or a note from your doctor explaining the medical necessity of the device.
• Proof of Income: For programs that are income-based, you’ll need a recent Social Security benefit statement or your latest tax return.
• For Veterans: Your DD 214 or Veteran Health Identification Card (VHIC).

What to Say When You Call Your AAA (A Simple Script)

Making that first call to your Area Agency on Aging can be a little intimidating if you don’t know what to ask.

Here is a simple, copy-and-paste script you can use to start the conversation on the right foot:

“Hello, my name is [Your Name], and I’m a senior citizen living here in [Your Town/County].

I am trying to find a way to get a medical alert system for myself (or my family member) and I’m finding all the information very confusing.

I was hoping you could tell me about any local or state-funded programs, grants, or non-profits in our area that can help with the cost. Any direction you could give me would be a huge help.”

This simple script explains who you are, what you need, and exactly how they can help you. It turns a confusing call into a clear and productive conversation.

How to Spot and Avoid Medical Alert System Scams

Because these devices are so important for a senior’s safety, the industry is unfortunately full of scams and high-pressure sales tactics.

They prey on fear and confusion.

Knowing their tricks is the best way to protect yourself and your family.

The “Unsolicited Phone Call” Scam

This is the biggest red flag.

You might get a call from someone claiming to be from “Medicare,” the “Social Security Administration,” or another official-sounding agency, saying you’ve been “selected” to get a free medical alert system.

That’s always a scam!

Remember: Legitimate government agencies like Medicare will never cold-call you to sell a product. Real companies won’t call unless you asked for info. If you get one of these calls, hang up immediately; it’s just an attempt to steal your personal information.

The “Just Pay Shipping” Contract Trap

This one’s a classic bait-and-switch.

You’ll see an ad or mailer offering a “100% free” device. All you need to do is pay a small fee, like $9.95, for “shipping.”

This is their trick to get your credit card number.

Once they have it, they will often lock you into a long-term, overpriced monitoring contract that can be nearly impossible to cancel.

Remember, a truly free system from a legitimate program like the VA or your insurance company will not ask for your credit card to cover a surprise “shipping fee.”

A Quick Note on “Life Alert”

You’ve probably heard “Life Alert” in commercials (“I’ve fallen, and I can’t get up!®”).

It’s important to know that Life Alert is just one premium brand, not a generic term for all medical alert systems.

They’re legitimate, but also pricey.

Most people searching for a “free Life Alert system for seniors” really mean any reliable medical alert system.

This guide shows you how to get help from multiple trusted providers, not just one brand.

Frequently Asked Questions (FAQ)

The Bottom Line on Getting Free Medical Alert Systems

As you can see, getting a medical alert system for free isn’t about finding some secret “100% free” deal. It’s about knowing the legitimate ways that can cover the cost for you.

If you’re looking for a truly free medical alert system for a senior, here’s the honest truth you need to remember:

• Original Medicare doesn’t cover them, but some Medicare Advantage (Part C) plans do.
• The VA and some state Medicaid programs are the best sources for fully covered systems.
• Non-profits and your local Area Agency on Aging are your best bet for finding grants and local help.
• Most big-name companies advertising a “free” device are only waiving the equipment cost, not the mandatory monthly monitoring fee.

So what should you do?

Well, first check your insurance. If you’re a veteran, contact the VA. Otherwise, call your local Area Agency on Aging.

By following the trusted paths in this guide, you now have a real plan to get free medical alert systems for seniors without falling for scams.