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With Bay Alarm Medical, there are no monthly contracts, hidden fees, or extra charges. They have something for everyone’s budget, and you can try them out risk free for 30 days. Choose between in-home, Mobile GPS, and In-Car Medical Alert Systems.
Medical Guardian offers affordable landline, cellular-based, and on-the-go medical monitoring systems. Prices start at just $31.95 per month and come with 24/7 professional monitoring, free self-installation, optional fall detection, and water-resistant buttons.
Lively offers cost-effective mobile medical alert systems. The Lively Mobile2 starts at $79.99 for the equipment. Monthly monitoring starts at $24.99 per month. Despite the low price, we found these devices feature-rich, with GPS tracking and optional fall detection.
An affordable medical alert system should deliver peace of mind without straining your budget. To help with that, we put together a ranking of the most affordable options based on our own testing and research. Every system on the list offers dependable equipment and responsive monitoring.
Our top budget pick is Bay Alarm Medical. It delivers strong features at a lower price than many competitors. That said, no single system fits everyone, so we also recommend looking at Medical Guardian, Lively, and MobileHelp. One of these affordable options should match your needs.
Affordability in medical alert systems comes down to equipment costs and monthly monitoring fees. Equipment ranges from free to about $250. Mobile, cellular-enabled devices often cost more because they often have additional health features and GPS. As for monthly fees, they typically run between $20 to $60, with landline being more affordable and cellular costing more.
Optional extras exist too, like fall detection ($5–$10/month) or telehealth services. These add value but increase cost. In our opinion, choosing a system that balances essential features with reasonable fees defines true affordability.
Pro Tip: At-home systems usually include fall detection in a pendant; mobile systems embed it in the device.
Bay Alarm Medical continues to lead the affordable medical alert market with their commitment to transparent pricing and quality service. They offer free in-home equipment and competitively priced mobile devices ranging from $99 to $159 during promotional periods. Monthly monitoring costs are similarly affordable ranging from $27.95 to $39.95 with free monitoring for a spouse.
FYI: Bay Alarm Medical almost always offers discounts of up to 40 percent on equipment fees, plus free shipping. They also include a free month of monitoring if you subscribe for a full year upfront.
We tested Bay Alarm’s SOS Home system, which includes a cellular base unit with a 1,000-foot range, a waterproof help button (pendant or wristband), and a Vial of Life for medical info. Monthly fees are $27.95 for landline or $34.95 for cellular, with fall detection for $10 extra. We think it’s a solid, budget-friendly choice for seniors who need in-home coverage.
During our tests, the equipment performed reliably, with clear two-way communication and a consistent connection. It lacks advanced features like activity tracking, but it excels at its core function: fast, dependable emergency response. Monitoring averaged 35-second response times, below the 45-second industry standard.
At $27.95 per month ($34.95 with fall detection), with no equipment fees or long-term contracts, Bay Alarm delivers strong value for home-focused seniors.
Pro Tip: Bay Alarm Medical often offers 20 to 40 percent off equipment. These discounts appear ongoing, so there’s no rush to buy.
| Bay Alarm Medical Equipment | Equipment Price | Monitoring Price |
|---|---|---|
| SOS Home | Free | $27.95 Per Month |
| SOS All-In-One 2 | $149.00 | $34.95 Per Month |
| SOS Micro | $149.00 | $34.95 Per Month |
| SOS Smartwatch | $199.00 | $39.95 Per Month |
Note that the prices listed above reflect Bay Alarm’s standard retail prices. The company frequently runs promotions, with equipment discounts of up to 40 percent off, bringing the SOS All-In-One 2 down to about $89.

Bay Alarm Medical Equipment
You can only learn so much from the bottom line. What really matters is value and Bay Alarm delivers there, too. They pack a lot of features into their packages that competitors charge for. The mobile app, for instance, lets caregivers make unlimited location requests, with your permission of course, whereas MobileHelp charges an extra fee for over 30 requests in a month.
Bay Alarm charges no hidden fees – no activation or initiation charges. Some packages require you pay shipping costs, but that’s standard across the industry.

Bay Alarm Medical SOS Smartwatch Digital Face
If you’re looking to cover a spouse as well, Bay Alarm looks even better. The company provides free spousal coverage for its at-home system. Simply purchase an additional pendant – a one-time fee of $40. This arrangement saves couples $25 to $30 per month on monitoring, adding up to big savings over time.
Have we piqued your interest? Find out more in our Bay Alarm Medical review.
FYI: Bay Alarm Medical offers at-home systems that connect to landline or cellular signals. The latter is more reliable, but it’s also more expensive by about $5 to $10 per month depending on the system. We recommend investing in a cellular system if possible.
| Connectivity | Landline and cellular |
|---|---|
| Fall Detection | $10/month |
| In-home Range | Up to 1,000 feet |
| Battery Backup | Up to 32 hours |
| GPS Option | Yes |
| Money-back Guarantee | 15-day |
Like Bay Alarm, Medical Guardian offers in-home, mobile, and smart watch systems, although all systems require an equipment fee. As we note in our Medical Guardian review, Medical Guardian justifies those fees with some of the most advanced equipment in the industry and options to customize your system to your needs.
Medical Guardian offers a comprehensive lineup of feature-rich systems. Their MGHome Landline and MGHome Cellular systems offer an industry-best 1,400-foot range for their help buttons. The cellular system even features 4G LTE connectivity for a faster connection.
These high-tech features come with slightly higher equipment costs than Bay Alarm Medical. All of their systems require a $149.95 equipment fee aside from the smart watch which costs $199.95. Monitoring also costs more at $27.95 to $46.95. Fall detection fits industry standards at $10 per month.

MGClassic from Medical Guardian
Medical Guardian also offers on-the-go medical alert systems at a reasonable price. The MGMini and MGMini Lite both cost the same as the MGHome system: $149.95. The MGMove costs and additional $50, but for that price you get a smartwatch. As for monitoring, prices range from $39.95 to $46.95 per month. Each monitoring plan comes with GPS location tracking, two-way talk, and cellular backup. Here’s a breakdown of the three systems’ features:
| Medical Guardian Equipment | Features | Equipment Cost | Monthly Monitoring Cost |
|---|---|---|---|
| MG Move |
|
$199.95 | $42.95 |
| MGMini Lite |
|
$149.95 | $46.95 |
| MGMini |
|
$149.95 | $43.95 |
| MG Home Landline |
|
$149.95 | $31.95 |
| MG Home Cellular |
|
$149.95 | $38.95 |
All of Medical Guardian’s pricing is what you’ll actually pay. They’re upfront about their prices and never charge hidden fees. You’ll only get charged extra if you purchase their add-ons. They also charge a shipping fee unless you opt for an annual subscription.
| Connectivity | Landline, cellular, and Wi-fi |
|---|---|
| Fall Detection | $10/month |
| In-home Range | Up to 1,400 feet |
| Battery Backup | Up to 36 hours |
| GPS Option | Yes |
| Money-back Guarantee | None |
Lively continues to excel in mobile medical alert systems. Their streamlined product line focuses on delivering value through simplified pricing and user-friendly technology. Equipment starts at $79.99 for their basic devices, with monitoring plans from $24.99 monthly.They also provide one of the best mobile apps in the industry.
FYI: Lively's monitoring fees include 24/7 access to urgent response agents. Upgrade to the enhanced Premium plan and get access to telehealth services from board-certified nurses for non-emergency consultations.
If you’re in the market for an in-home system, we’d recommend either Bay Alarm or Medical Guardian over Lively. Both companies offer in-home equipment for free. Even if you purchase a traditional button system, Lively’s going to charge you. On the other hand, Lively’s monthly monitoring plans are $10 better than the industry average, and if you invest in a mobile, on-the-go system, you’re getting a cell phone for your money.
Lively offers two phone options – the Jitterbug Smart4 and the Jitterbug Flip2. The Smart3 is an Android-based device costing $119.99, significantly less than typical smartphones. The Flip2 is a traditional flip phone that’s even more affordable at $79.99. Since you pay upfront for the phones, you keep the phones if you cancel your subscription.
After picking our phone, we chose between two monitoring plans. The Basic package ($24.99 per month) features professional monitoring and a caregiver app so friends and family can track your location. The Preferred package costs more ($34.99 per month), but includes telehealth services.
Note that Lively charges a $35 activation fee when you sign up for service. That’s a little unusual. The company offers lots of deals and discounts, though, so price usually averages out. If you’re an AARP member, for example, you can save $5 per month on select health and safety packages with the purchase of a Lively Wearable2 or a Lively Mobile Plus. And, with their Refer-a-Friend program, you can get a $25 credit any time someone you refer activates a Lively phone or device.

Lively Watch
On top of the activation fee, you’ll also need a phone plan with any Jitterbug device. It comes with limited talk and text for free. Unlimited costs $5 per month. If you opt for the Smart4, you’ll also need to consider data costs. 1 GB per month is free, 5 GB costs $5 per month, 10 GB costs $15 per month, and unlimited costs $30 per month.
FYI: While the original Lively Wearable has been discontinued, the Lively Mobile2 comes with a clip attachment. That lets you use it as a wearable by attaching it to your belt or purse.
Read more about these affordable and comprehensive on-the-go systems in our in-depth Lively analysis.
| Connectivity | Cellular and Wi-Fi |
|---|---|
| Fall Detection | $9.99 per month |
| In-home Range | N/A |
| Battery Backup | Up to 40 hours |
| GPS Option | Yes |
| Money-back Guarantee | 30-day |
MobileHelp is one of the most affordable systems on this list, and there’s a lot to like about both the company’s equipment and its monitoring plans. Monthly fees are low, and equipment is free. Plus, MobileHelp is one of the only companies out there that covers spouses for as little as five dollars a month. You need to know going in that options are limited, but MobileHelp offers great protection at a great price.
MobileHelp makes things simple. The company offers one home unit, one mobile unit, or you can combine the two in a Home Duo Bundle. No matter what you choose, standard equipment is 100 percent free. You only pay for monitoring and any extra devices you might want.
As for monthly monitoring, MobileHelp offers some of the most affordable plans in the industry. 24/7 emergency monitoring starts at $24.95 for their Classic systems. Mobile system monitoring remains competitive at $34.95 per month. Plus, you can add a second person to your plan for $5 more per month – ideal for couples looking to save money.
Of course, the downside to MobileHelp is that you don’t get a lot of choice. Systems come with all the necessary safety features, from two-way talk and location detection to optional fall detection. In addition, every device relies on cellular communication, so you never have to worry that you’ll be at risk because your Wi-Fi went out. If you’re looking for a smart watch option, though, or a smartphone-based service, you’re going to be disappointed. If you want genuine protection at a low price, though, MobileHelp may be exactly what you’re looking for.

MobileHelp MD 4 on Charger
When it comes to bonus rewards, MobileHelp goes the extra mile. The Duo system, for example, covers a main user and spouse for $44.95 a month, saving $4.95 per month compared to two separate plans. If you both need on-the-go coverage, the MobileHelp Duo plan only costs $49.95.
FYI: MobileHelp’s referral program remains one of the most generous in the industry. Both you and your referral receive a $50 service credit when they purchase a system and maintain service for at least 60 days.
| Connectivity | Landline or Cellular |
|---|---|
| Fall Detection | $5.50/month |
| In-home Range | Up to 1,400 feet |
| Battery Backup | Up to 30 hours |
| GPS Option | Yes |
| Money-back Guarantee | None |
A medical alert system can be a lifesaver – quite literally. The right system can protect you from
In fact, there’s really no limit to the ways medical alert systems can protect you.
We get it: none of us is made of money. If you’ve already retired, your finances may be especially tight. There are so many affordable systems out there these days, though, that there’s really no excuse anymore for going without protection. No system is right for everyone, but we feel reasonably certain that somewhere on this list is a system that meets both your needs and your budget. Plus, if a medical emergency occurs, a fast response reduces the severity of the emergency and therefore the amount spent on treatment.1
FYI: The length of time, or “lie time,” that someone who has fallen and is unable to get up on their own is significant. Researchers determined that a lie time of 72 hours or more increases mortality by 67 percent.2
After evaluating most systems out there, we can say with confidence that not all medical alert systems are priced the same. Some providers offer pricier-than-average plans, and we have steered clear of them in our discussion. But others offer economical plans. It is also important to point out that any one particular system can offer several packages of varying prices.
Lifeline-EMS. (2025). The Science Behind Emergency Response Times: Why Every Second Counts.
https://lifeline-ems.com/the-science-behind-emergency-response-times-why-every-second-counts/
Kubitza, J., Schneider, I. T., & Reuschenbach, B. (2023, Aug 29). Concept of the term long lie: a scoping review. National Library of Medicine.
https://pmc.ncbi.nlm.nih.gov/articles/PMC10463813/