Insurance & Financing Options for Mobility Devices: What You Need to Know

Mobility devices like power wheelchairs and scooters are life-changing for many individuals, providing independence and freedom of movement. However, the cost can be a major concern, especially for those on a fixed income. Fortunately, there are several options available to help cover the cost, including insurance, Medicare/Medicaid, financing plans, and grants.

If you're considering purchasing a mobility device, here’s what you need to know about insurance coverage and financial assistance options.

Does Insurance Cover Mobility Devices?

Many private insurance companies provide coverage for power wheelchairs and mobility scooters, but the level of coverage depends on your plan. In most cases, insurers require that:
✔️ The device is medically necessary (prescribed by a doctor)
✔️ The user has limited mobility and needs the device for daily living activities
✔️ The device is used primarily in the home (some plans may not cover outdoor-use devices)

It’s important to check with your insurance provider to confirm coverage, deductible costs, and any paperwork required.

Medicare & Medicaid Coverage

Medicare

If you’re a Medicare beneficiary, you may qualify for Part B (Durable Medical Equipment, DME) coverage for mobility devices. Medicare typically covers 80% of the cost of a medically necessary power wheelchair or scooter, with the patient responsible for the remaining 20% (unless they have supplemental insurance).

To qualify:

• A doctor must prescribe the device as medically necessary

• You must have a mobility limitation that affects daily living activities

• The device must be used in the home

Medicare often rents mobility scooters and wheelchairs before allowing a full purchase, so it’s important to understand your plan’s details.

Medicaid

Medicaid programs vary by state, but many provide full or partial coverage for power wheelchairs and scooters. Unlike Medicare, Medicaid may cover devices for both home and outdoor use, depending on medical need. Check with your state’s Medicaid office for specific guidelines.

Financing & Payment Plans

If insurance doesn’t fully cover the cost, many mobility companies offer financing options to break the total cost into manageable monthly payments. Some common options include:

💳 Credit-Based Financing – Companies partner with lenders like CareCredit, Affirm, or Klarna to offer payment plans. Approval depends on credit history.
📆 Manufacturer Payment Plans – Some mobility brands offer in-house financing with low or no interest.
🏦 Medical Loans – Personal loans designed for healthcare expenses can provide flexible repayment terms.

Grants & Assistance Programs

If insurance and financing aren’t an option, you may qualify for grants or nonprofit assistance. Some organizations that help fund mobility devices include:

🔹 The Ehlers-Danlos Society – Assists individuals with EDS who need mobility aids.
🔹 The Muscular Dystrophy Association (MDA) – Helps those with neuromuscular conditions.
🔹 The Reeve Foundation – Provides financial aid for individuals with spinal cord injuries.
🔹 State Assistive Technology Programs – Many states offer assistance for mobility device purchases.

Final Tips for Getting Coverage

✅ Get a Doctor’s Prescription – Documentation is key to proving medical necessity.
✅ Verify Your Insurance Plan – Call your provider to understand costs and coverage.
✅ Explore All Options – Grants, financing, and Medicaid may help reduce out-of-pocket expenses.
✅ Work with a Reputable Dealer – Some companies assist with paperwork and insurance claims.

At ZiiRobot, we’re committed to making mobility accessible. If you have questions about insurance, financing, or finding the right mobility device, our team is here to help!

📞 Contact us today at (888)-528-7898 to learn more about your options and take the first step toward greater independence.