Because of my back pain and mobility issues, I am interested in getting a walk-in bathtub that is safe and easy to get in and out of. What are some things to consider when choosing a walk-in bathtub?

For individuals with mobility challenges, a walk-in bathtub can be a useful option to consider as it provides easier access into and out of the tub and helps prevent falls. Here is what you should know, along with a reliable resource to help you choose one.

Accessible Tubs

Walk-in bathtubs are uniquely designed tubs that have a watertight, hinged door built into the side of the tub that provides a much lower threshold to step over (usually three to seven inches) compared to a standard tub that is around 15 inches.

Most walk-in tubs have high sidewalls, usually between three and four feet high, and are between 28 and 32 inches wide. In most cases, they will fit into the same 60-inch-long space as your standard tub without having to reconfigure the bathroom.

In addition to the low threshold, most walk-in tubs have a built-in seat, grab bars, anti-slip floors and anti-scald valves. Some tubs also come with handheld showerheads and quick drains that can empty the tub faster than standard tubs. Many higher-end models offer therapeutic spa-like features that are also great for individuals with arthritis and other ailments.

The best kind of tub for you will depend on your needs, preferences, budget and the size and layout of your bathroom. Prices range from $3,000 to $10,000 or more for the tub and installation costs.

Insurance and Aid

Because walk-in tubs are not considered durable medical equipment, they are not typically covered by Medicare or Medicare supplemental (Medigap) policies. However, some Medicare Advantage plans may offer coverage.

If you qualify for Medicaid, your state program may have a Home and Community-Based Services Waiver program that may provide some assistance. Disabled veterans may also receive assistance through the VA’s home modification grants.

There are also grants and loans available through the U.S. Department of Agriculture that help elderly, low-income residents of rural areas make home modifications, which may be used to pay for a walk-in bathtub. Depending on where you live, there may be local programs that can help like Habitat for Humanity or Rebuilding Together. To find out if these options are available in your area, call your Area Aging Agency at 800-677-1116 or contact your nearby center for independent living (see ilru.org).

If you cannot locate any financial assistance and you cannot afford to pay upfront for a walk-in tub, most manufacturers offer financing that allows you to make monthly payments. If you are using a walk-in tub for a specific medical condition, you may also be able to deduct the costs of the tub from your taxes as a medical expense (see irs.gov/pub/irs-pdf/p502.pdf).

Choosing a Walk-In Bathtub

To help you choose a walk-in bathtub, the National Council on Aging, which is a national nonprofit organization that advocates for older Americans, put together a review team to research the different companies and tubs. See NCOA.org/adviser/walk-in-tubs/best-walk-in-tubs for their detailed reviews and product links.

To get started, you should contact a few walk-in bathtub retailers who can send a professional to your home to assess your bathroom and give you product options and estimates. Some home improvement retailers offer free evaluations and a wide range of walk-in tub options.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.