Mobility scooters provide essential support for individuals with limited mobility, improving daily independence and comfort. Understanding how Medicare and supplemental insurance work together to cover these devices is key to minimizing personal expenses. It starts with a proper medical evaluation and choosing the right supplier to ensure eligibility and streamline the approval process.
Medicare’s Role in Covering Mobility Scooters
Under Medicare Part B, mobility scooters are classified as durable medical equipment (DME). Coverage is available if a doctor deems the scooter medically necessary for use within the home. A prescription and thorough documentation from your healthcare provider are required. Once approved, Medicare typically covers 80% of the approved cost, while the remaining 20% becomes the individual’s responsibility after meeting the deductible.
To ensure coverage, it's crucial to work with both a doctor and a Medicare-approved supplier, who will submit the necessary paperwork directly to Medicare.
How to Offset Remaining Costs
Even with Medicare’s contribution, the remaining 20% can add up. Many individuals opt for supplemental insurance—such as Medigap or employer-sponsored secondary policies—which can cover the remaining portion. Contacting your insurance provider can help clarify what additional coverage may be available to reduce your financial burden.
It’s also worth comparing supplier pricing and checking whether they accept assignment from Medicare, which can affect the final out-of-pocket cost.
Steps to Qualify for a Medicare-Covered Scooter
The qualification process begins with a medical assessment and prescription from your doctor. The prescription must confirm that the scooter is necessary for mobility within the home and that other mobility aids (like a cane or walker) are insufficient. A Medicare-enrolled supplier must then process the paperwork and submit the claim on your behalf.
Be sure to discuss all costs upfront with the supplier, including any additional fees not covered by Medicare or secondary insurance.
Additional Sources of Financial Assistance
If Medicare and supplemental insurance don’t fully cover the cost, other options exist. Medicaid programs, especially in states with broader coverage, may offer extra help. Non-profit groups, veterans’ organizations, and community assistance programs may also provide funding for qualified individuals.
Exploring resources like Benefits.gov or speaking with a local Medicare counselor can help uncover programs that support mobility scooter access. For the most accurate and personalised guidance, visit Medicare.gov or consult with a Medicare representative in your area.