Medical alert systems are wearable devices that connect directly to a 24/7 professionally-staffed monitoring center in case of an emergency. A monitoring agent will speak to you about your situation before sending assistance -- either 911 or through another personal contact-- if needed.Most emergency call systems are monitored (meaning your button connects directly with a live person) and require monthly fees, however unmonitored systems exist that simply reach out to predetermined contacts in an emergency situation.CoverageSome medical alert systems connect directly with response centers through your home landline telephone line; others operate over cellular networks; some companies even offer both types of systems. If you need help deciding on one to purchase, speak to your healthcare provider as they'll likely offer suggestions and may even assist in understanding insurance coverage more fully.Medical alert system companies frequently offer sales and discounts, including discounted monthly fees or even equipment costs for free. Furthermore, disease-specific organizations might have grants available to assist seniors in affording their devices. Furthermore, you could contact your HSA or FSA administrator and see if pretax funds could be used to purchase it; some long-term care policies also cover medical alert systems.ActivationMedical alert systems are designed to quickly connect users with emergency responders. By pressing its button, users will connect with a call center which connects with emergency contacts (including family, caregivers and doctors) or dispatches help depending on the circumstances of each incident. Staff at this call center will keep loved ones updated until help arrives.Medical alert systems come in various forms, from monitored and unmonitored systems for at-home use to wearable devices that offer additional features like fall detection or activity monitoring. CR has evaluated seven medical alert systems to compare prices and services provided by each.MonitoringMedical alert devices help users remain independent while still enabling caregivers to reach them in case of an emergency. These devices typically include both a base station connected to the landline and wearable help buttons that allow users to request assistance when needed.Pressing the help button connects a user directly with either a 24-hour monitoring center (depending on model) staffed with trained operators who can offer emergency assistance or even track users using GPS capabilities.Most security companies charge monthly monitoring fees and, depending on the contract you sign, may include one-off extra payments when signing. Be sure to understand starting costs, monthly rate and equipment fees before selecting a company; to find the best value read reviews from multiple sources.Hidden feesMedical alert systems can cost an considerable sum. Mobile Personal Emergency Response System But with some research and shopping around, seniors can often find one within their budget.Some fees are one-time charges; other expenses may recur throughout the billing cycle. These costs could include equipment accessories like PIN-protected lockboxes, wellness checks and medication reminders; while certain brands provide add-on services that cost extra such as automatic fall detection or GPS tracking.Understanding these hidden costs will enable seniors to fully grasp exactly what they're paying for and ensure they're getting the most value for their money. Furthermore, taking note of this data could allow them to utilize income-tax-free FSAs or HSAs when purchasing medical alarm systems.WarrantyMedical alert systems provide peace of mind by monitoring for in-home or on-the-go emergencies and notifying dispatch, family members and emergency medical services immediately if an incident arises. They can also be an invaluable lifeline for people living alone.Many medical alarm system providers provide a premium warranty to cover accidental damage and normal wear-and-tear. Some offer this for an additional monthly fee while others include it within their subscription plans.Bundled systems from some medical alert companies combine at-home and mobile device equipment into one package, making an economical emergency alert system solution. While bundle systems may cost more than either type of device individually, they give users greater mobility for emergencies by allowing use anywhere with cell coverage unlike at-home systems that only operate within range of their base station.