By Mobility Alliance Group Staff

Let’s not pull any punches here. Power wheelchairs and scooters are expensive. Some individuals and families are in a financial position to pay for a power wheelchair or scooter out of pocket. But for many (if not most), a purchase this large will require some assistance or financing. The good news is that there are many financial options for those who have limited mobility.

Medicare and Private Insurance
Medicare consists of two parts, part A and part B. Part B requires you to pay an annual premium; however, it is part B that covers the purchase of durable medical equipment, which is the category that power wheelchairs and scooters fall into. If you are covered by Medicare part B and you meet the Medicare guidelines, Medicare will cover 80% of the cost of a power wheelchair or scooter.

The basic Medicare guidelines to qualify:

1. The patient’s condition is such that without the use of a wheelchair the patient would be unable to perform daily activities in their home, and
2. The patient’s condition is such that a wheelchair is medically necessary and the patient is unable to operate a wheelchair manually, and
3. The patient is capable of safely operating the controls for the power wheelchair.

Additionally, if you have secondary private insurance, your private insurance may cover the remaining 20% of the cost.

If this sounds complicated to you, don’t worry. Almost every power wheelchair and scooter provider has consultants who understand all of the guidelines and requirements. They can ask you all the right questions and even handle all the paperwork for you.

For Those without Medicare Coverage
If you aren’t covered by Medicare part B, don’t despair. There are still plenty of options. The best option belongs to those who have private insurance. Many private insurance companies will have a durable medical equipment benefit. If you have private insurance, call your insurance company and find out what benefit is provided. Again, you can rely on the consultants with the power wheelchair providers to help you walk through this process. In most cases, they will be familiar with your insurance provider and will be able to provide guidance to receive your benefits.

If you are without Medicare coverage and private insurance, you still have financing options. Similar to car dealerships, power wheelchair and scooter providers can provide long-term financing options. Some even offer zero-percent loans and automatic payments.

Furthermore, you can also choose to pay by credit card or to seek out your own financial partner. If you have a great relationship with your bank or credit union, you may prefer to secure your own loan and loan terms.

If your limited mobility is due to a work accident, workman’s compensation insurance may also provide coverage. Your case manager and doctor can help you determine if you qualify to receive a power wheelchair or scooter.

The Bottom Line
If limited mobility is interfering with your daily tasks and responsibilities, you have many options to help you handle the finances needed to secure a power wheelchair or scooter. Don’t wait to start reclaiming your freedom. You’ll be surprised how easy it can be.