January 6, 2025

Are Shower Seats Covered by Insurance?

Whether or not insurance covers shower seats heavily depends on the type of insurance you have and if the shower seat is deemed a medical necessity. Insurance companies typically require a doctor’s prescription stating that the shower seat is medically necessary for the individual’s health and safety.

What are the different types of insurance and their shower seat coverage?

• Medicare: Generally, Original Medicare (Parts A & B) does not cover shower seats as they are considered personal convenience items rather than essential medical equipment. Some Medicare Advantage plans might have broader coverage.
• Private Insurance: Coverage varies significantly. Some plans may cover them if a doctor prescribes the shower seat as medically necessary due to a specific condition or disability.
• Long-Term Care Insurance: Some long-term care policies may cover the cost of home modifications, which could include a shower seat, if it’s deemed necessary for the insured person’s safety and well-being.

Securing insurance coverage for a shower seat often hinges on a doctor’s prescription certifying its medical necessity. It’s crucial to remember that coverage can vary greatly depending on the specific insurance provider and the type of policy. To ensure accurate and up-to-date information, always review your policy documents thoroughly or contact your insurance provider directly.

How can I find out if my insurance covers shower seats?

The most effective way to determine if your insurance covers shower seats is to directly contact your insurance provider. Call their customer service number or access your online account to inquire about coverage for “durable medical equipment” (DME), specifically asking if shower seats are included. Additionally, carefully review your policy documents for specific details. If your doctor believes a shower seat is medically necessary for your health and safety, they can provide the necessary documentation (a prescription) to support your insurance claim.

If you are in need of shower seats, take a look at our wide variety of options and styles here: Shower Seats