If you’re considering purchasing a power wheelchair, you may be wondering if your insurance will cover the cost. While coverage may vary depending on your insurer, some general guidelines can help you understand what to expect.
You can learn more about how insurers usually cover electric wheelchairs by reading on.
The amount that insurance companies cover for motorized wheelchairs varies, but it’s typically a percentage of the total cost. For example, your insurer may cover 50% of the cost of a power wheelchair, up to a certain amount.
When deciding whether to cover the cost of an electric wheelchair, insurance companies typically take a few factors into consideration.
- The type of wheelchair needed
- The medical condition that requires the use of a wheelchair
- Whether the motorized wheelchair is for everyday use or only for special occasions
- The age of the person who needs the wheelchair
- The location of the person who needs the wheelchair
Insurance companies may also require documentation from a doctor stating that a power wheelchair is medically necessary.
Insurance Coverage for Power Wheelchairs
The amount that insurance companies cover for electric wheelchairs varies, but it’s typically a percentage of the total cost. For example, your insurer may cover 50% of the cost of a motorized wheelchair, up to a certain amount.
If you’re unsure exactly how much insurance will cover, be sure to check with your insurance company.
What Type of Power Wheelchair Can I Choose?
Insurance companies may place certain restrictions on the type of electric wheelchair covered. For example, they may only cover wheelchairs for everyday use and not those for special occasions only.
Before you purchase a motorized wheelchair, make sure you inquire with your insurance company about any restrictions they may have.
Can I Get a Power Wheelchair if I’m Under Age 18?
In most cases, insurance companies will not cover the cost of a power wheelchair for anyone under the age of 18. A wheelchair may be appropriate for some individuals with certain medical conditions.
If there are any age restrictions in place with your insurance company, confirm this with them.
Can I Get a Power Wheelchair if I Live Overseas?
Insurance companies typically do not cover the cost of electric wheelchairs for people who live overseas.
A power wheelchair will likely cost you more if you live outside the United States.
How Do I Get a Power Wheelchair Covered by Insurance?
You should check with your insurance company directly to ensure that your motorized wheelchair is covered. If you have a medically necessary power wheelchair, they will tell you their specific coverage guidelines. Documentation may also be required.
Generally speaking, electric wheelchairs are considered durable medical equipment (DME) and are typically covered by insurance. However, there may be restrictions on what types of wheelchairs are covered. For example, if you need a wheelchair capable of climbing stairs, your insurer may not cover the cost.
In addition to coverage for the wheelchair itself, most insurers will also cover repairs and replacements as needed. To receive coverage for a motorized wheelchair, you may need a note from your doctor.
Suppose you’re unsure whether or not your insurance will cover a power wheelchair. In that case, it’s always best to contact your insurance company directly. The insurance company will explain what is and is not covered under your policy.
Conclusion
Electric wheelchairs can be an excellent option for those who need a wheelchair for everyday use but are unsure if their insurance will cover the cost.
Most insurance companies will cover at least a portion of the cost of a motorized wheelchair, but there may be restrictions in place.
When you need to know exactly what is covered and what isn’t, it’s best to speak directly to your insurance company.
