Medical Alert Systems Explained: Types, Costs, and Questions to Ask

A medical alert system lets you call for help by pressing a button you wear on a pendant or wristband. It can bring peace of mind if you live alone, have a health condition, or worry about falling. Here’s how these systems work, what to ask before you sign up, and how to spot a common scam.

The Main Types

• In-home systems. A wearable button connects to a base unit in your house. The base may use a landline or a cellular signal, so check whether yours needs a phone line.
• Mobile or GPS systems. These work over cellular networks at home and when you’re out. GPS can help responders find you if you can’t speak.
• Fall detection. This is usually an add-on that sends an alert automatically when the device senses a fall. It isn’t perfect. It may send a false alarm if you drop the device or stumble without falling.
• Monitored or unmonitored. A monitored system connects you to a 24/7 response center for a monthly fee. An unmonitored device calls family or friends on your list, and you generally pay only for the device.

Questions to Ask Before You Sign Up

1. What is the full monthly cost, and are there activation, equipment, or fall detection fees?
2. Is there a contract or minimum commitment? How do I cancel, and is there a penalty?
3. Is there a trial period or refund window? Some companies offer a full refund within about 30 days. This matters if you have hearing loss and need to test the speaker volume.
4. How long does the battery last, and how do I charge it? Is there a backup battery for power outages?
5. How far from the base unit will the button work, and can I wear it in the shower?
6. Which cellular network does it use, and does it get a good signal where I live?

Experts suggest that the person who will wear the device should choose it. It isn’t a good surprise gift.

Will Medicare Pay for It?

As of October 2026, Original Medicare (Parts A and B) does not pay for medical alert systems. Some Medicare Advantage plans may cover part or all of the cost, so call your plan to ask. Medicaid coverage depends on your state. Qualified veterans may be able to get a system through the VA, and some long-term care insurance policies help pay. Some local offices on aging also offer or help arrange these systems, so they’re worth a call.

Watch Out for “Free” Medical Alert Robocalls

The Federal Trade Commission has taken action against telemarketers who made huge numbers of robocalls pitching “free” medical alert systems. Callers claimed a relative had already paid or that a well-known health group endorsed the product. People later faced monthly fees and cancellation penalties.

If you get a recorded sales call from a company you never gave written permission to call you, hang up. Don’t press any buttons, even to “opt out.” Never share your Medicare number, Social Security number, or bank details with a caller. You can report these calls at ReportFraud.ftc.gov.

More on Seniors Tips

• How to Set Up Medical ID and Emergency SOS on Your iPhone
• A Room-by-Room Checklist to Help Prevent Falls at Home
• Medicare Open Enrollment Scams

Sources

• Consumer Reports: How to Choose a Medical Alert System
• National Council on Aging: Can You Use Insurance to Pay for a Medical Alert System?
• Humana: Does Medicare Cover Medical Alert Systems?
• Tompkins County Office for the Aging: Personal Emergency Response System
• Federal Trade Commission: Refunds to Consumers Defrauded by Deceptive Medical Alert Telemarketing Scheme
• FTC Military Consumer: If at First You Don’t Succeed (medical alert robocalls)
• New York Department of State: Medical Device Scam