Funding Your Accessibility Solutions
Explore Medicaid, Medicare, tax benefits, and other options to make your home modifications affordable
At Bearson Enterprises, we believe financial constraints should never prevent families from achieving safe, independent living. While we don't provide in-house financing, we're committed to helping you navigate the many funding options available.
Oregon Medicaid K Plan Coverage
Oregon Medicaid provides coverage for accessibility equipment and modifications through the K Plan waiver program.
What's Covered:
- Stairlifts
- Home safety modifications
- Equipment for aging in place
- Medically necessary accessibility improvements
Eligibility Requirements:
- Oregon Medicaid enrollment
- K Plan waiver approval
- Medical necessity documentation
- Prior authorization
Bearson Enterprises has experience working with Oregon Medicaid K Plan approvals. We can help you navigate the documentation and approval process. Call (503) 233-6422 to discuss your Medicaid coverage options.
Medicare & Private Insurance
Traditional Medicare (Part B)
Traditional Medicare typically does not cover:
Reason: These are not classified as Durable Medical Equipment (DME) under Medicare guidelines.
Medicare Advantage Plans
Some Medicare Advantage plans offer additional benefits beyond traditional Medicare:
- • Home safety modifications
- • Accessibility equipment
- • Fall prevention modifications
Action: Check with your specific Medicare Advantage plan administrator to verify coverage.
Private Insurance
Most private health insurance plans don't cover accessibility equipment. However:
- • Review your specific policy
- • Check supplemental plans
- • Long-term care insurance may include home modification benefits
Tax Benefits for Accessibility Improvements
The IRS allows deductions for medical expenses, including home modifications prescribed by a physician for medical necessity.
Potential Medical Expense Deductions:
- Stairlifts
- Home elevators
- Wheelchair lifts
- Accessible bathroom modifications
- Ramps and entrances
- Other medically necessary modifications
Requirements:
- • Must be prescribed by a physician
- • Must be for medical necessity
- • Must exceed a percentage of your adjusted gross income
- • Consult your tax advisor for specific eligibility
ADA Tax Credits:
Businesses making accessibility improvements may qualify for Disabled Access Credit (Form 8826) and Barrier Removal Tax Deduction.
Can't Do Everything at Once? We Can Help You Prioritize
We understand budget constraints. Many families implement accessibility improvements in phases:
Phase 1: Immediate Safety
- • Grab bars in bathroom
- • Improved lighting
- • Non-slip flooring
- • Basic handrails
Phase 2: Core Accessibility
- • Stairlift installation
- • OR accessible bathroom remodel
- • Entrance ramp or modifications
Phase 3: Complete Independence
- • Home elevator
- • OR comprehensive kitchen modifications
- • Multiple doorway widening
- • Full home accessibility package
During your free consultation, we'll help you create a phased plan that fits your budget and prioritizes your most critical needs.
Call (503) 233-6422 for PricingCustomer Testimonial
"Bearson made the whole process easy—from understanding our options to the final installation. They were transparent about costs and helped us find the right solution for our budget."
— Portland Homeowner
Let's Discuss Your Funding Options
Every family's situation is unique. During your free consultation, we'll:
Additional Resources
Oregon Resources:
• Oregon Medicaid K Plan Information
• Area Agency on Aging Resources
• Oregon Department of Veterans' Affairs
Important Notice:
Bearson Enterprises provides this information as a resource but does not provide financial or legal advice. Program eligibility, coverage amounts, and requirements are subject to change. For tax and financial planning advice, consult qualified professionals.
Please note: Bearson Enterprises does not offer in-house financing or payment plans. However, we're committed to helping you explore all available funding options to make your accessibility modifications affordable.