The Best Medical Alert Systems with No Monthly Fees
Medical alert systems help older adults safely age in place by providing quick access to emergency assistance. Whether you live alone or with family, these devices offer peace of mind by connecting you to help when needed.
While medical alert systems provide valuable protection, their costs can add up quickly.
Many systems require:
Upfront costs for the purchase of the device
Installation fees
Activation fees
Monthly service fees
Maintenance fees
Fortunately, several affordable options offer reliable protection without monthly fees. This guide explores the best no-monthly-fee medical alert systems, examining their features, benefits, and key factors to consider when choosing a system that fits both your needs and budget.
What is a medical alert system?
A medical alert system (also called a personal emergency response system or PERS) is a wearable device that lets you call for help with the press of a button. These devices can be worn as a pendant on a lanyard, attached to clothing, or like a watch or wristband.
A home medical alert system typically connects to your landline or cell phone. These systems can range from simple devices to those with more complex setups. They can also come with various add-ons, like fall detection or GPS tracking.
You might see these devices marketed under various names:
Life alerts
Medical emergency response systems (MERS)
Senior fall monitors
Help buttons or pendants
Emergency communicators
How do medical alert systems work?
These systems come in two main types: monitored and unmonitored.
Monitored systems
Monitored systems require monthly fees for monitoring services. They connect you to 24/7 monitoring centers when you press the alert button. Trained professionals assess your situation and contact your caregivers, emergency contacts, and/or emergency services to provide you with the correct level of support. These professionals have access to information about your medical history, including the medications you take and any allergies you have, to help them diagnose situations.
If your system goes offline, even if it’s just due to a power outage, monitoring staff will check in on you to ensure everything is okay.
Unmonitored systems
Unmonitored systems have no monthly fees, since there’s no ongoing monitoring. They provide a more affordable option for those who could use some help alerting caregivers but don’t have a high risk of experiencing life-threatening emergencies at home.
These systems will automatically alert your loved ones or emergency contacts when you press the button. Many also include fall detection that signals an emergency without pressing the button.
Top 5 medical alert systems for seniors with no monthly fee
Explore the right device for you without breaking the bank. Here are the top medical alert systems with no monthly fee, broken down by their best features:
This portable, personal alarm offers peace of mind for a one-time cost of $34.95. The small device connects to your phone via Bluetooth using the free Plegium app. When you press the button for two seconds, it instantly alerts up to five chosen emergency contacts through both calls and texts. Each alert includes a link to your real-time GPS location, allowing loved ones to find you quickly.
Price: $34.95
Pros:
Connects through Bluetooth and the Plegium app
Connects to up to five emergency contacts (sends calls and texts), shares GPS location to these contacts when pressed
Small, discreet device that can be a keychain
4-year battery life
Cons:
There are mixed reviews about how easy it is to set up and how functional it is
No warranty
Real-time GPS tracking and 24/7 monitoring service for monthly fee (which is can be affordable for some at $4.99)
Requires a smartphone
No two-way talk
Only works when the app is open and running on the phone
Available on Amazon, this discreet wristwatch-style medical alert system offers direct access to 911 with just one button press. It includes automatic fall detection and heart rate monitoring at no extra cost.
The device uses free cellular service, allowing you to make emergency calls both indoors and outdoors with two-way voice communication. While the basic 911 calling feature is free with no monthly fees, you can expand the device's capabilities by adding a SIM card and subscription. Optional premium features include GPS tracking, geo-fencing, and the ability to make and receive calls to numbers beyond 911.
Price: $159.99
Pros:
Two-way speakerphone capabilities
Automatic fall detection included
2G, 3G, or 4G cellular signal coverage
IP67 water resistance rating
Cons:
Only available in black
Can only call 911
No GPS technology in the basic model
This medical alert system is a lot like Plegium’s model with a few extra features that could make it worth the extra money. The small device attaches to a keychain, wallet, or pocket. When you press it, you can call 911 and also alert up to seven contacts who are given your location. It also has a non-emergency “nudge” feature that lets your contacts know you’re alright in certain situations.
Price: $99.99
Pros:
Works internationally
Accompanying app available for both Android and iOS devices
GPS location monitoring and sharing
30-day money-back guarantee and one-year limited warranty
Cons:
Not waterproof
Requires pairing with Bluetooth-equipped devices
LogicMark’s medical alert system incorporates a more classic model of emergency response. Its walkie talkie design allows for easy two-way communication with 911 once you push a button. The simplicity of this device is great for people who are less confident with new technology.
Price: $227
Pros:
Two-way communication with 911
Water-resistant for bathroom use
Lightweight and straightforward
30-day money-back guarantee, plus free shipping
Cons:
Requires a landline to function.
Doesn't include GPS technology
The YoLink device connects to your phone and offers multiple functions. Press the button for two seconds, and it automatically alerts five chosen contacts via call and text, sharing your GPS location.
Beyond emergency alerts, you can customize the device for daily tasks. For example, caregivers can receive text notifications when their loved one takes medication, or the button can be programmed to control home functions like unlocking your doors for emergency responders. This device can also serve as a panic button, daily check-in tool, and even a smart home controller for the more tech savvy people.
This medical alert system is most suitable for seniors who are comfortable with technology.
Price: $25.59 for fob and $29.95 for YoLink Hub (required)
Pros:
Texts emergency contacts
Can integrate with smart home devices
Two-year warranty
Can be programmed for various actions
Cons:
In-home use only
Requires a smartphone or tablet to operate
Additional cost for the YoLink Hub
Honorable mentions
FastHelp™ Medical Alert Device 4G uses cell technology to notify 911 at the press of a button. $150 with no monthly fees.
SkyAngel 911FD offers automatic fall detection and cellular connectivity to 911. It's available as a one-time purchase. $179 with no monthly fee. The outlay for your one-time purchase is substantial, but you can get the features you need without having to pay each month.
If you have an Apple Watch SE, Apple Watch Series 4 or later, or Apple Watch Ultra smartwatch, it comes with an alert system. If your Apple Watch detects a fall, it will tap your wrist, sound an alarm, and display an alert. If you're moving, it will wait for your response. However, if you remain immobile for about a minute, it will automatically call emergency services.
What features should you look for in a medical alert system?
Waterproof: Essential for those who frequently shower or bathe.
Automatic fall detection: Automatically detects falls and sends alerts, even if the user is unable to press the button.
GPS tracking: Helps locate the user if they wander off or get lost.
Two-way communication: Allows clear communication between the user and the monitoring center.
Battery backup: Ensures the device functions even during power outages.
Range: Determines the distance the device can operate from the base unit. In-home models for homebound seniors have a shorter range than mobile medical alert units you can take anywhere.
Monthly fees: Consider the cost of monthly monitoring fees and any additional charges for features like GPS tracking or fall detection.
How to know if you need a medical alert system
Medical alert systems can be life-saving devices, especially for older adults, who live independently. The risk of falling, alone, is a compelling reason to consider one.
Age-related conditions, like balance problems, mobility challenges, vision impairment, and side effects of medications can all increase the risk of falling. According to 2021 CDC data, over 30 million older adults fall annually—one person every second.
Even when falls don't cause serious injuries, many older adults can't get up without help. Without a caregiver or loved one nearby, they could be stuck on the floor in pain for hours or even days.
A medical alert system offers peace of mind for both older adults and their families. As long as the device is worn and within range of its base station, help is just a button press away during any emergency.
Frequently asked questions
While setup varies by device, most medical alert systems follow similar basic steps. Here's what you can expect.
For monitored systems: Connect to your power source and either a landline or wireless connection. Test the wearable help button to ensure it works—a monitoring center representative will typically confirm the connection. They'll help you create a list of emergency contacts, including family members and neighbors.
For no-monthly-fee Systems: These devices don't connect to monitoring centers, which makes the setup process simpler. Follow the manufacturer's instructions to power up the device and add your emergency contacts.
Falls may contribute to health insurance costs, but, unfortunately, most health insurance plans, including Medicare, do not cover the cost of medical alert systems. However, some seniors might get financial support from other sources:, like the ones below.
Long-term care insurance: Some long-term care insurance policies may cover medical alert systems, especially if they are considered medically necessary for the insured person.
Medicaid waivers: In some states, Medicaid waivers can cover the cost of medical alert systems for eligible individuals.
Employer-sponsored benefits: Some employers offer medical alert systems as part of their employee benefits package.
While Original Medicare does not cover medical alert systems, some Medicare Part C (Medicare Advantage) plans may offer them as a benefit. In some cases, you may also be able to use a Medicare Advantage OTC benefit to purchase a medical alert device. Medicare Advantage coverage varies widely between different plans, so it's important to check the details of your specific Medicare Advantage plan to see if it offers this benefit.
To find out if your plan covers medical alert systems, you can:
Check your plan's Evidence of Coverage (EOC): This document outlines your plan's benefits and limitations, including any coverage for medical alert systems.
Contact your Medicare Advantage plan insurance company directly: You can call your plan's customer service number to inquire about coverage for medical alert systems.
Important Note: Even if your Medicare Advantage plan covers medical alert systems, it may not cover all brands or models. You may need to choose from a specific list of approved devices. Additionally, there may be limitations on the length of coverage.
Medical alert devices vary in price, based on their features. Here's a quick breakdown of the costs.
One-time purchase devices with no monthly fees can cost between $20-100 for the most basic models. More advanced devices that come with fall detection and GPS can cost between $100-$300.
Monitoring services come with monthly subscription costs that can range from $20-50/month. For example, Life Alert starts with a $30 monthly fee, Medical Guardian costs between $30-35/month, and Bay Alarm Medical costs $25 monthly.
While there aren't many "free" medical alert systems, some options may be available at reduced costs or even free for eligible seniors. Below are three things to look into to see if you can get a free medical alert system.
Government programs: Check with local and state government agencies for programs that may offer subsidized or free medical alert systems.
Non-profit organizations: Some non-profit organizations provide assistance for seniors to get free or discounted medical alert systems.
Medicaid waivers: In some states, Medicaid waivers can cover the cost of medical alert systems.
When considering a medical alert device, research and compare different providers to find the best option for your specific needs and budget. Consider factors like the device's features, monthly fees, and the reputation of the monitoring center.