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California’s Medi-Cal HCBS waivers cover stair lifts and ramps with caps around $10,000+, but county waitlists vary. Area Agencies on Aging fund smaller modifications; veterans should start with HISA.
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The VA HISA grant pays up to $6,800 (service-connected) or $2,000 (non-service-connected) for medically necessary home modifications. Apply with VA Form 10-0103 before starting any work.
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Budget $2,200–$5,500 for a straight stair lift, $8,500–$15,000 for curved. Skip Medicare — go straight to your state Medicaid HCBS waiver or, for veterans, the VA HISA grant. Three itemized quotes is non-negotiable.
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Ramps cost $1,000–$8,000 depending on material and rise. The ADA 1:12 slope rule decides the footprint. Ramps are the most widely covered modification — nearly every program funds them.
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Walk-in tubs cost $3,000–$12,000 installed depending on jets, door style, and bathroom prep. Medicare doesn’t cover them; VA HISA grants are the most reliable funding source for eligible veterans.
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HCBS waivers are the largest funding source for home accessibility in the US. Most cover ramps, bathroom mods, and lifts with lifetime caps of $5,000–$15,000 — but 30+ states run waitlists, so apply early.
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