What costs will a health insurer cover if you must renovate your home due to a physical handicap?

My husband and I are handicapped (back surgeries). We need to change our shower and tub and raise sinks. Would our health insurer help with these changes? I drive to physical therapy for water therapy. Would my insurance help if I installed a lap pool? It would be cheaper to make these changes then to relocate.

Asked on July 17, 2010 under Insurance Law, Georgia

Answers:

SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 10 years ago | Contributor

There is no general answer: insurance, including health insurance is a contract. Insurers must pay for anything in the coverage that you have bought (including which was bought for you by your employer, if that's how you have health insurance); on the other hand, they do not need to pay for anything not in the coverage. So to see what you insurer may have to cover, you need to review your policy, and if you have any questions, bring the policy to an attorney to review it with you. Also, depending on your age, income, level of disability, etc., it's not impossible that you may be eligible for disability benefits, SSI, Medicare or Medicaid--when you speak with an attorney, he or she can help you determine if there are any other sources of funding that may assist you. Good luck.


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