A bad fall can change the way you look at your own home overnight. Suddenly, stepping over the side of a bathtub feels dangerous, the stairs seem steeper, and installing a walk-in shower or grab bars feels less like remodeling and more like a medical necessity. Unfortunately, needing a safer bathroom doesn’t automatically mean Original Medicare will pay to renovate it. Understanding Medicare home modification coverage before hiring a contractor can prevent an expensive surprise and may point you toward other programs that could help. Here’s what retirees and their families should investigate when a fall makes home safety improvements suddenly urgent.