Are mobility scooters typically covered by insurance providers?


Quick Answer

Each insurance provider has a unique set of standards and requirements for determining if it will reimburse a beneficiary for the cost of a mobility scooter. In general, insurance companies tend to require written prescriptions from the beneficiary's doctor stating that it is necessary, and other similar evaluations.

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Are mobility scooters typically covered by insurance providers?
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Full Answer

Mobility scooters are a common solution for individuals who are incapable of regular and consistent movement both in and out of the home. While the goal of all health insurance companies is to provide the best level of coverage for their customers and aid them in living a full and healthy life, many companies place strict guidelines on whether or not a mobility scooter qualifies as a necessary medical expense. In many cases, insurance companies suggest that members use less expensive devices, such as canes, walkers or manual wheelchairs instead.

In order to ensure the highest likelihood of having an insurance company cover a medical scooter, begin by having a full evaluation from a doctor to determine the patients' mobility capabilities. If there is a consensus among medical professionals that the patient is not able to move on her own and that even a cane or wheelchair is not a practical solution, it increases the chance that the insurance company will approve of the purchase.

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