For many people, the cost of a wheelchair can feel overwhelming. Thankfully, health insurance programs like Medicare often help cover mobility aids for those who qualify. However, the rules and processes can be confusing. In this article, we’ll answer the most common questions about insurance coverage, Medicare policies, and how to make the most of your benefits.
How to Get a Wheelchair Through Insurance
Most private health insurance plans will cover part or all of the cost of a wheelchair if it is deemed medically necessary. To qualify, you generally need to:
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Visit your doctor – Your physician must evaluate your mobility limitations and write a prescription for a wheelchair.
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Get prior authorization – Some insurance companies require approval before purchasing.
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Work with an approved supplier – Insurance companies and Medicare only cover equipment from recognized and licensed providers.
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Choose the right type of wheelchair – Manual or powered options will depend on your medical condition and insurance policy.
👉 Pro Tip: Always ask your insurance company which wheelchair models and suppliers they cover before making a purchase.
Does Medicare Cover Wheelchairs?
Yes. Medicare Part B (Medical Insurance) covers durable medical equipment (DME), which includes both manual and powered wheelchairs. To qualify:
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Your doctor must certify that you have a medical condition preventing you from moving around in your home without assistance.
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The wheelchair must be medically necessary for daily living (not just convenience).
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The equipment must come from a Medicare-approved supplier.
When approved, Medicare typically covers 80% of the cost after you’ve met your annual deductible. You’ll be responsible for the remaining 20% unless you have supplemental coverage.
What Kind of Wheelchair Will Medicare Pay For?
Medicare provides coverage for different types of wheelchairs based on your level of mobility:
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Manual Wheelchair – If you have enough upper body strength to self-propel but need assistance indoors.
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Power-Operated Vehicle (Scooter) – If you can’t use a manual wheelchair but can still safely operate a scooter.
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Power Wheelchair – If you cannot use a manual wheelchair or scooter safely and need a full powered chair for independence.
👉 Medicare usually pays for the basic models that meet your needs. If you want a lightweight, foldable, travel-friendly wheelchair, like those from Fold and Travel Mobility, you may need to pay the difference out of pocket.
How Often Will Medicare Pay for a Wheelchair?
Medicare typically replaces durable medical equipment such as wheelchairs every five years, as long as it is still medically necessary.
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If your medical condition changes significantly, you may qualify for an earlier replacement.
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Repairs and maintenance may also be covered if the chair is still medically required.
Will Medicare Pay for a Wheelchair?
In short: Yes—if you qualify. Medicare will pay for a wheelchair if:
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You have a doctor’s prescription.
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You meet the medical necessity criteria.
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You purchase from a Medicare-approved supplier.
However, it’s important to remember that Medicare often only covers basic models. For those who want more advanced features—such as airline-approved lithium batteries, lightweight folding frames, or compact travel designs—brands like Fold and Travel Mobility provide premium upgrades that insurance may not fully cover.
Conclusion: Insurance Helps, but Innovation Empowers
Getting a wheelchair through insurance or Medicare can significantly reduce costs, but the system is designed to cover only essential, medically necessary models.
If you’re looking for:
✔ A lightweight wheelchair that you can easily lift into a car
✔ A foldable electric wheelchair that fits in an airplane cabin
✔ A travel-ready mobility solution designed for freedom and independence
…then Fold and Travel Mobility offers the advanced solutions you need—beyond the basics that Medicare typically covers.
Insurance can get you started. Innovation can set you free.