Financing a Walk-In Tub: Aid and Options for Seniors

Finding a safe, comfortable, and affordable walk-in tub can greatly enhance the quality of life for seniors, offering them independence and improved hygiene. Walk-in tubs are designed with accessibility in mind, featuring low entry thresholds, non-slip floors, and often include therapeutic options like hydrotherapy jets. However, due to their specialized design and advanced features, walk-in tubs can be expensive. This article explores practical strategies for obtaining these valuable fixtures at a more manageable cost.

**Understanding the Costs Involved**

Before seeking ways to reduce costs, it’s crucial to understand what contributes to the price of walk-in tubs. Generally, the cost of a walk-in tub can range from $1,500 to $20,000. The wide range is due to factors like the material used in manufacturing (fiberglass or acrylic), size of the tub, and additional features such as therapy systems and quick-fill and quick-drain capabilities.

Installation is another significant part of the expense. Depending on the complexity, installation costs can vary from $700 to $3,000. Always consider these factors when planning your budget.

**Government Assistance and Medicare**

While Medicare does not typically cover the purchase of walk-in tubs, as they are considered ‘convenience’ items rather than ‘durable medical equipment,’ there are other government programs that can help:

1. **Medicaid:** Some state Medicaid programs provide waivers that can assist in funding modifications including walk-in tubs.
2. **Veterans’ Benefits:** Veterans experiencing limitations may qualify for home modification grants through the VA.
3. **USDA Grants:** Low-income seniors living in rural areas might qualify for grants and loans through the USDA Rural Development program.

Investigating these options can provide substantial financial assistance, drastically reducing out-of-pocket expenses.

**Choose the Right Features**

To ensure you’re not paying for unnecessary features, prioritize which functions are essential for your specific needs. Basic walk-in tubs without therapeutic features like hydrotherapy or chromotherapy are significantly cheaper and may adequately meet your requirements. Features like quick-drain systems, while convenient, also add to the cost.

**Comparison Shopping and Discounts**

Due to the high competition in the market, prices for walk-in tubs can vary widely between suppliers. Shop around and compare quotes from different companies. Look out for discounts, especially during annual sales or periods of low demand.

Consider last year’s models or showroom models, which retailers may offer at a reduced cost. Additionally, always inquire if there are any ongoing promotions or financing plans that could make your purchase more affordable.

**Seek Out Refurbished or Used Tubs**

Purchasing a refurbished or gently used walk-in tub can lead to considerable savings. Ensure that the used tub comes from a reputable source and includes a warranty. Online marketplaces like eBay, Craigslist, and Facebook Marketplace can be good venues to find these options, but it’s crucial to inspect the tub thoroughly before buying.

**DIY Installation**

If you or someone in your family is handy, considering a DIY installation might save you hundreds of dollars. Some walk-in tub manufacturers offer products designed for easy installation. Nevertheless, ensure you understand what the installation entails and comply with local building codes.

**Financing Options**

Many companies offer financing plans that make it easier to manage the cost of a walk-in tub. These plans often include low monthly payments over time. Ensure you understand all the terms and conditions, including interest rates and any penalties for late payments.

**Utilizing Non-Profit Organizations**

Local non-profit organizations sometimes provide grants or assistance for seniors needing home modifications. Contacting senior citizen advocacy groups in your area can lead to resources and financial help aimed specifically at aiding seniors in maintaining their independence.


Purchasing a walk-in tub for a senior doesn’t have to break the bank. By exploring different financial aid programs, prioritizing necessary features, and considering alternative buying options like purchasing refurbished models, you can find a solution that fits both needs and budget. An affordable walk-in tub is within reach, contributing to a safer and more comfortable lifestyle for seniors.