Can you finance a mobility scooter? (Answered)

In buying a mobility scooter, not all the time, everyone has cash at their disposal. If you are in a situation where you already need a mobility scooter, but you don’t have enough cash for it, what is the best option?

Here, I will share one option on how to get a mobility scooter through financing. I will also give you different methods to finance your first mobility scooter.

Definitely, you can finance your mobility scooters. In fact, many organizations can help you. The following are Medicare, private health insurance, dealership or your bank, and more.

By the way, let me make it clear that I am not a finance professional. I am not giving recommendations or financial advice. Let us remember that financing agreements should come from the organization that will provide the finance and the customer.


Mobility Scooter Financing Through Medicare

Medicare can help you cover the cost associated with your selected mobility scooter. In the Medicare Part B plan, 80% will be covered after meeting your deductible for the year.

Of course, for you to be able to take advantage of the Medicare assistance, you have to meet the qualifications below:

  • You must have a recommendation from your doctor.
  • You must have a prescription to use the mobility scooter.
  • Your medical necessity must be determined by your doctor.
  • Your supplier must have approval from Medicare.

To know more about Medicare Plans and other information about financing your mobility scooter, you can go and find the information here.


Mobility Scooter Financing Through Medicaid

Sounds like the first option above, but Medicaid is a combination of federal and state insurance programs for seniors and disabled people with low income.

You can finance your mobility scooter through Medicaid. The requirements for Medicaid are based on general, medical, and financial considerations.

Remember, states might have different programs for people to stay in the community rather than hospitals, nursing homes, etc. To know about Medicaid, you can check it here.


Mobility Scooter Financing Through Dealerships and Banks

Another option to finance your mobility scooter is through your bank loan, or some might be familiar with a reverse mortgage. Reverse mortgage. Also, some dealers are offering finance plans that help you cut the price of your mobility scooter in half. So before you buy, check your bank, then watch out for dealers that offer mobility scooter financing.


Mobility Scooter Financing Through the Resources of Government

Some government departments can help you finance your scooter by securing a loan to pay your selected mobility scooter. One is through the Federal Housing Association (FHA) as part of the U.S. Department of Housing and Urban Development (HUD).

Based on IRS Publication 502, mobility scooters are qualified for tax deductions. So loan plus tax deductions will be a great help.


Mobility Scooter Financing Through Non-profit Organizations

National and local non-profit organizations are another option. They have different programs like financing mobility scooters or loans with low-interest rates. Below are three of the national organizations that can help you.

  • (MDA) Muscular Dystrophy Association
  • Easter seals
  • MS Society

Mobility Scooter Financing Through Health Insurance

Private health insurance, including long-term insurance plans, can help you pay for that mobility scooter. So don’t forget to consult your health insurance provider to see if you are qualified for financial health that is available as part of their service.



Many options can help you finance your mobility scooter. However, remember that you have to meet the criteria to be qualified. So if you don’t have enough cash to buy one, no worries, there are many options for you to avail yourself of.



Financing an Electric Wheelchair or Scooter

Getting Funding for Accessibility Equipment in the U.S.A.



Can you finance a mobility scooter? (Answered)
Can you finance a mobility scooter

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Are you looking for ways to improve your mobility? If so, I’ve got a decade’s worth of experience with mobility aids to share with you realistic and honest reviews, based on experience!

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