Are Mobility Scooters Covered by Medicare or Insurance? A Complete Guide

Introduction

Mobility scooters provide freedom and independence for individuals with limited mobility. However, many people wonder whether Medicare or private insurance will cover the cost of a mobility scooter. The answer depends on eligibility requirements, medical necessity, and the type of coverage you have.

This guide explains Medicare’s coverage criteria, how to check your insurance options, and alternative financing solutions to help you obtain a mobility scooter with minimal out-of-pocket costs.

1. Medicare Coverage for Mobility Scooters

Does Medicare Cover Mobility Scooters?

Yes, Medicare Part B may cover the cost of a mobility scooter under Durable Medical Equipment (DME) if certain conditions are met.

Medicare Eligibility Criteria for Mobility Scooters:

To qualify, you must meet the following requirements:

• A doctor must prescribe a mobility scooter as medically necessary for daily living.
• You must have limited mobility and require a scooter to perform daily activities inside your home.
• You must be unable to use a cane, walker, or manual wheelchair effectively.
• Your home must have enough space to accommodate a mobility scooter.
• You must visit a Medicare-enrolled DME supplier to purchase the scooter.

How Much Will Medicare Pay?

• Medicare covers 80% of the approved cost of the scooter.
• The remaining 20% is your responsibility unless you have Medigap or supplemental insurance that covers it.
• You may also be required to meet the Medicare Part B deductible before coverage applies.

2. Checking Private Insurance Coverage

While Medicare is a common payer for mobility scooters, private insurance policies may also provide coverage. Here’s how to check:

• Review Your Insurance Plan: Look for coverage under Durable Medical Equipment (DME).
• Contact Your Insurance Provider: Ask if they cover mobility scooters and what documentation is required.
• Obtain a Doctor’s Prescription: Even private insurers typically require proof of medical necessity.
• Confirm Supplier Approval: Make sure your chosen provider is in-network to maximize coverage.

Some private insurance plans may cover 100% of the cost, while others may require a co-payment or deductible.

3. Alternative Financing Options

If Medicare or private insurance doesn’t cover your mobility scooter, you still have options:

Medicaid

• Medicaid coverage varies by state and may provide full or partial coverage for mobility scooters.
• Eligibility depends on income level and medical necessity.
• Contact your state’s Medicaid office for details.

Veterans Assistance (VA Benefits)

• Veterans with mobility impairments may qualify for assistance through the Department of Veterans Affairs (VA).
• The VA provides mobility scooters for service-connected disabilities.
• Contact your local VA office to inquire about eligibility.
• Financing and Payment Plans

If insurance does not cover the full cost, we offer:

• Flexible monthly payment plans with low-interest financing.
• Buy Now, Pay Later options to spread out costs.

4. How to Get Started

Follow these steps to check if you qualify for coverage and obtain a mobility scooter:

• Consult Your Doctor – Request a prescription for a mobility scooter if medically necessary.
• Contact Your Insurance Provider – Verify if they cover mobility scooters and understand your out-of-pocket costs.
• Choose a Medicare or Insurance-Approved Supplier – Work with a licensed DME provider to ensure coverage eligibility.
• Explore Alternative Options – If not covered, consider Medicaid, VA benefits, or financing plans.
• Order Your Mobility Scooter – Once approved, complete the purchase and enjoy enhanced mobility!

Conclusion

Understanding whether Medicare or private insurance covers your mobility scooter is essential before making a purchase. While Medicare covers 80% of the cost, private insurance and alternative financing options may help you cover the remaining amount.

At At Home Care Supplies, we offer a range of Medicare-approved mobility scooters and financing solutions. Need assistance finding the right scooter? Contact us today for expert guidance!