CONCORD, Calif., March 25, 2014 /PRNewswire-iReach/ -- Seniors who use home medical alert monitoring services won't see any changes in services or availability under the Affordable Care Act (ACA), according to Bay Alarm Medical, a leading supplier of home medical alert systems. In a recent blog post, the company explains how the "Essential Health Benefits" portion of the ACA affects both private insurance and Medicare.
"Basically, the ACA has a positive impact on seniors' healthcare cost and availability," notes Alan Wu, Director of Marketing for Bay Alarm Medical. "For instance, the new law requires all policies to cover a variety of health screenings, preventative care, and wellness services without requiring a co-pay." Covered items include: diabetes screening, annual mammograms, and recommended vaccines. Some Medicare advantage plans already covered screenings, but now all Medicare patients have access with no extra cost.
For seniors on fixed incomes, greater access to care without increased out-of-pocket costs can have immediate health benefits. "Studies have shown that many older adults are not up-to-date on health screenings and vaccines, and one big reason is cost," explains Wu. Early detection and treatment of chronic diseases and cancers increases seniors' quality of life and can increase their expected lifespan as well.
Still, aging affects even a healthy person's risk of injury: the danger of fires, falls, and medication errors increases as motor skills decline and senses grow less acute. Many seniors depend on home medical alert systems to call for help in cases of emergency.
"Even though home medical alert monitoring helps many seniors remain independent in their own homes longer, it's not considered an "essential" benefit under the ACA. Some policies do offer limited coverage though," says Wu. He advises seniors to check with their insurance providers and physicians. Long-term care insurance often covers the purchase of durable medical equipment and monitoring. Other polices cover monitoring in specific circumstances, such as with a doctor's recommendation.
Even without specific insurance coverage, home medical alert monitoring is affordable for most seniors, Wu notes. "Bay Alarm medical offers flexible payment styles, and a number of promotions and discounts for AARP, AAA, and USAA members. Consumers should always research their options to make sure they're getting the most reliable service. Their health and safety depends on it."
For more information, read the Bay Alarm Medical blog at http://www.bayalarmmedical.com/medical-alert-blog/the-affordable-healthcare-act-medicare-and-medical-alert-coverage/
About Bay Alarm Medical
Bay Alarm Medical (www.bayalarmmedical.com) is an arm of Bay Alarm, one of the nation's oldest alarm monitoring companies. The company offers high quality medical alert systems together with 24/7 monitoring by professionally training emergency operators who contact family members, friends, neighbors and, if necessary, local 911 emergency services. Bay Alarm Medical's lightweight emergency pendants can be worn around the neck, wrist or on a belt clip.
Media Contact: Alan Wu, Bay Alarm Medical, 925-677-1406, firstname.lastname@example.org
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SOURCE Bay Alarm Medical