Step 1: Assess Your Needs and Lifestyle
Before you start shopping for a medical alert system, it is important to evaluate what features will best serve your lifestyle. A system designed for someone who stays primarily at home will differ greatly from one needed by an active person who spends time outside the home.
In-Home Systems vs. Mobile Systems
- In-Home Systems: These are best for individuals who spend most of their time at home. The system consists of a base unit with a powerful two-way speaker that connects to a central monitoring center. A wearable pendant or wristband triggers the alarm. Connectivity is usually through a landline or a cellular network, with some base stations offering backup batteries during power outages.
- Mobile Systems: Ideal for those with an active lifestyle, these devices use cellular technology and built-in GPS to work both inside and outside the home. They are all-in-one wearable units that connect directly to the monitoring center from nearly any location. Mobile systems are more expensive but offer greater freedom and security for users who are on the go.
Key Features to Look For
- Automatic Fall Detection: This feature is a game-changer for many seniors. It uses sensors to detect a fall and automatically triggers an alert, even if the user is unable to press the button. This is especially vital for individuals with a history of falls or health conditions that could cause loss of consciousness.
- GPS Tracking: On mobile devices, GPS allows monitoring centers to pinpoint your location accurately in an emergency. This is crucial if you are outside your home and cannot communicate your whereabouts.
- Water Resistance: Many accidents occur in bathrooms. Choosing a device that is water-resistant or waterproof ensures you can wear it in the shower or bath, protecting you in high-risk areas.
- Battery Life: For mobile devices, a long battery life is important to ensure continuous protection. Look for devices that last several days on a single charge and have low-battery alerts.
Step 2: Research and Compare Providers
Once you know what you need, you can begin comparing the market. The medical alert industry has many reputable providers offering various packages and features. Some of the most highly-rated companies include:
- Medical Guardian: Known for its fast response times, high-tech devices, and features like the MyMedicalGuardian app for caregivers.
- Bay Alarm Medical: Often praised for its excellent customer service, reliable equipment, and affordable pricing, including bundles for couples.
- MobileHelp: A budget-friendly option with robust in-home and mobile systems and transparent pricing.
- LifeFone: Offers a variety of systems with long battery life and options for at-home and on-the-go users.
To make an informed decision, you should compare providers on several factors, as outlined in the comparison table below.
| Feature | Bay Alarm Medical | Medical Guardian | MobileHelp | LifeFone |
|---|---|---|---|---|
| Response Time | 16-51 seconds | 8-60 seconds | 26-49 seconds | ~22 seconds |
| Starting Price/Month | ~$20-$30 | ~$32-$47 | ~$20-$45 | ~$25-$40 |
| Equipment Fee | Possible for Mobile | Possible for Mobile | No equipment fee | No equipment fee |
| Fall Detection | $10/month extra | $10/month extra | $10/month extra | $10/month extra |
| GPS Tracking | Yes, with mobile | Yes, with mobile | Yes, with mobile | Yes, with mobile |
| Caregiver App | Yes, included | Yes, included | Included with some plans | Yes, included |
| Contract Required | No long-term contract | No long-term contract | No long-term contract | No long-term contract |
Note: Pricing and features can change. Always check the provider's website for the most current information.
Step 3: Explore Payment and Financial Assistance
Cost can be a barrier, but many resources exist to help cover or reduce expenses. Don't assume you have to pay the full monthly fee out of pocket.
- Medicare Advantage (Part C): While Original Medicare (Parts A and B) generally does not cover medical alert systems, some Medicare Advantage plans may offer coverage as a supplemental benefit. Check with your specific plan to confirm.
- Medicaid: Coverage varies by state and may be offered through Home and Community-Based Services (HCBS) waivers. Contact your state's Medicaid office to learn about specific programs and eligibility requirements.
- Veterans Affairs (VA) Benefits: Veterans with certain health conditions or those receiving specific benefits, like Aid & Attendance, may qualify for assistance with a medical alert system through the VA. Contact your local VA office for details.
- Long-Term Care Insurance: Review your policy to see if it covers medical alert systems as part of its benefits.
- Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): You can often use pretax funds from an FSA or HSA to pay for a medical alert system, especially if you have a doctor's recommendation.
- Discounts and Promotions: Many companies offer seasonal discounts, free trials, or free shipping. Some non-profits, like AARP, may also provide member discounts.
Step 4: Order and Set Up Your System
Once you have selected a provider and a plan, the ordering and setup process is straightforward. Many systems are designed for easy, self-installation.
- Order online or by phone. The provider will ship the equipment directly to you. Ask about shipping times and costs during this process.
- Unbox and follow the instructions. The process for in-home landline systems involves plugging the base unit into a power outlet and a phone jack. Cellular-based systems only need a power outlet. Mobile devices require a simple initial charge.
- Perform a test call. After setup, press the emergency button to test the connection with the monitoring center. Inform the operator that you are conducting a test call. This confirms that your system is working correctly.
Step 5: Understand How Monitoring Works
Monitoring is the heart of a medical alert system. It's the 24/7 lifeline that connects you to help. When you press your help button, a signal is sent to the monitoring center. A trained operator will then respond through the two-way speaker on your base unit or mobile device.
- During the call, the operator will assess the situation and determine the appropriate response. This could involve contacting emergency services, a neighbor, or a family member from your pre-designated contact list.
- If you are unable to speak, the operator will follow your pre-set instructions, which typically involves dispatching an ambulance. They can also provide your medical history and an entry code for a lockbox to first responders, speeding up their access to your home.
- False alarms are not a problem. If you accidentally press the button, simply tell the operator it was a mistake, and they will close the call without penalty.
Knowing how to get a medical alarm is a proactive decision that secures your safety and independence. By following these steps, you can confidently choose the right system and ensure you or your loved one is protected around the clock. For further reading and to locate your local resources, visit the website for the National Association of Area Agencies on Aging, which offers valuable information on services and programs for seniors in your area: n4a website.
