The short answer
Original Medicare almost never pays for home modifications such as ramps, grab bars, stair lifts, or walk-in tubs, because it classifies them as structural changes rather than durable medical equipment. Indiana Medicaid, on the other hand, can cover many of these changes through its home- and community-based waiver programs when they help someone remain safely at home instead of moving to a facility.
What Medicare does and does not cover
Original Medicare (Parts A and B) covers durable medical equipment such as wheelchairs, walkers, and hospital beds when prescribed as medically necessary. It does not cover permanent home modifications.
Medicare Advantage (Part C) plans are offered by private insurers and some include supplemental benefits that may help with certain safety items or minor modifications. Beginning in 2026, Medicare is also expected to cover in-home safety evaluations in some circumstances — an assessment, not the cost of installations. Always confirm details with your specific plan.
How Indiana Medicaid can help
Indiana runs its long-term-care Medicaid for older adults through the PathWays for Aging program, a managed-care waiver launched in 2024 for residents age 60 and older. PathWays can cover home modifications and accessibility equipment that prevent unnecessary institutional care. Plans are administered by managed-care entities such as Anthem, Humana, and UnitedHealthcare.
To start, a person typically needs a level-of-care assessment. Indiana contracts these assessments through Maximus, which can be reached at 1-833-597-2777. Financial eligibility applies as well; income and asset limits are set annually.
The CHOICE program (state-funded)
Indiana also funds the CHOICE program (Community and Home Options to Institutional Care for the Elderly and Disabled) through the Division of Aging and the statewide network of Area Agencies on Aging. CHOICE can pay for modifications such as ramps, grab bars, handrails, and bathroom changes. It serves people age 60 and older, or any age with a disability, and uses a sliding-scale cost share rather than a strict income cap. Waiting lists are common, so apply early.
To connect with your local Area Agency on Aging, call Indiana’s statewide line at 1-800-986-3505.