Are Motorized Mobility Scooters Covered by Insurance?

Imagine this. You’re struggling to walk across your living room due to mobility issues. Every step drains your energy, leaving you breathless and exhausted. A motorized scooter could change your life, giving you the independence to move freely again. But then the question hits you — are motorized scooters covered by insurance? Like many others in similar situations, you're probably wondering if there's financial help to make this essential device affordable.

The short answer? Yes, depending on your insurance and circumstances, motorized scooters may be covered. Let's break it down so you know what steps to take and how to find the support you need.

Why Insurance Coverage Matters for Scooters?

For many disabled individuals, elderly people, or those with mobility-limiting conditions, a motorized scooter isn’t just convenient — it’s life-changing. According to the NCBI, approximately 24% of adults aged 65+ rely on mobility devices like scooters to manage daily activities. 

But these scooters can cost anywhere from 800 to 3,000 or more, which isn’t feasible for everyone. Adding to the stress is the process of determining if (and how) insurance can help.

The good news is that both Medicare and many private insurance plans offer coverage for motorized scooters, but there are key criteria you’ll need to meet. Plus, understanding the ins and outs of these policies can steer you in the right direction. So, where do you begin?

Medicare and Motorized Scooters

Medicare is probably the most common route people explore when asking if motorized scooters are covered by insurance. Here’s what you need to know:

Who Qualifies?

Medicare Part B covers mobility scooters under a category called durable medical equipment (DME). But there are conditions you must meet:

• Medical necessity - Your mobility limitations must make it difficult for you to perform daily tasks like getting out of bed, bathing, or moving around your home without help.

• Doctor’s prescription - A Medicare-participating doctor must provide a written prescription. This often requires a face-to-face evaluation.

• Home usability - Your home must be suitable for using the scooter (e.g., wide enough doorframes).

Does this sound like a lot of steps? It can be, but it’s manageable if broken into stages. For many older adults or caregivers, the first step is to contact their primary care physician.

What Does Medicare Cover?

If approved, Medicare typically pays 80% of the cost after your annual deductible is met. That means you will only need to cover 20% of the cost out of pocket. Some scooters approved by Medicare cost less than $1,000 after insurance, making them far more affordable. You can learn more in detail from Medicare Coverage fact sheet. 

However, coverage may differ based on your state or provider, so be prepared for some variation.

Quick question: Have you already checked if your provider accepts Medicare? If not, that’s a great next step. 

Private Insurance Plans 

What if you’re not covered under Medicare or need additional options? Private insurance providers, such as those offered through employers, might help. Policies can vary widely, but here’s what you should know:

• Policy-dependent coverage - Private insurers may cover motorized scooters if deemed medically necessary, much like Medicare.

• Pre-approval process - You may need to complete a specific approval process, including supplying medical documentation.

• Direct communication is key - Call your insurance company to ask directly if motorized scooters are included in your plan.

Many private plans are more flexible than Medicare, offering broader coverage for different types of scooters. Some even include add-ons like batteries or accessories

Fun fact — some insurance policies even cover scooter repairs or replacement parts. Have you thought about asking your insurer about these added benefits?

Practical Steps to Secure Coverage

Now that we’ve covered Medicare and private insurance, here’s a practical, no-stress roadmap to securing coverage for the motorized scooter you need:

1. Talk to Your Doctor 

  Share your mobility challenges during your next appointment. If they see that a scooter is medically necessary, they’ll write a prescription.

2. Check Your Insurance’s Approved Suppliers 

  Medicare-approved or private insurers often have a specific list of durable medical equipment (DME) suppliers they work with. For example, heavy-duty brands like the Shoprider offer stability for everyday use. 

3. Complete the Paperwork 

  Whether it's your doctor’s documentation or the supplier's forms, having all the required paperwork in place is critical. Missing paperwork can delay approval.

4. Understand Your Out-of-Pocket Costs 

  Even with coverage, you may be responsible for part of the bill. Knowing this in advance is helpful.

5. Seek Specialist Advice from Providers 

  Several specialists can help you better understand your options and ensure that you meet eligibility criteria before applying.

Doesn’t sound too complicated when we put it that way, right? If you find yourself stuck, reach out to experts. You'll be surprised how many resources are available.

Common Challenges and How to Overcome Them?

At times, insurance claims for scooters can run into obstacles. Ever heard of someone being denied insurance coverage for a scooter because they didn’t “check all the boxes”? That’s not uncommon, but it doesn’t have to mean the end of the road.

Denial by Medicare or Insurance

If your claim is denied, Medicare or private insurers will provide an explanation. Common reasons include missing documentation or not meeting the medical necessity criteria. You can appeal their decision with additional supporting documents from your doctor.

Supplier Mismatches

Not all suppliers participate in Medicare’s program or accept private insurance, meaning you’ll need to do your research beforehand. Medicare’s website has a locator tool you can use to find approved suppliers near you.

Out-of-Pocket Costs

Even with insurance, some expenses may fall on you. For those struggling, rental programs or financial support through local charities may help.

Being prepared with a backup plan can save the day. For caregivers and family members, staying proactive and asking the right questions is key to navigating these obstacles.

Beyond Insurance — Alternative Funding Options 

What if your current insurance doesn’t cover motorized scooters? Don’t panic. There are different ways to make your purchase more affordable:

• State Assistance Programs - Many states offer mobility assistance programs for seniors or disabled residents.

• Nonprofit Organizations - Groups like the American Outreach Foundation provide scooters to individuals in need at little or no cost.

• Tax Deductions - Medical expenses, including mobility devices, may be tax-deductible if they exceed a certain percentage of your income. Be sure to consult with a tax advisor.

If all else fails, financing or fundraising through online platforms like GoFundMe can bridge the gap. Increasingly, people are finding creative ways to access the mobility tools they need, so don’t be afraid to explore.

Still wondering whether your insurance or alternative funding is the best route for you? Start by outlining your financial situation and getting expert advice.

How Can First Class Mobility Help? 

At First Class Mobility, we believe everyone deserves the freedom and independence that mobility brings. We specialize in the best information regarding insurance-compliant products like the Merits Health and Shoprider.

Our team simplifies the guidance required for your scooter to meet Medicare or private insurer standards. However, we would like you to know.

While we are an authorized reseller for brands like Shoprider and Merits, First Class Mobility is not a Medicare-enrolled supplier. This means we do not directly bill Medicare or handle the reimbursement process on your behalf. However, we are here to help guide you through the steps and provide the products you need to move forward.

First Class Mobility provides straightforward guidance by cutting through complex insurance jargon. Whether you’re seeking Medicare approval or exploring private insurer coverage, we are here to make the process smoother. When you’re ready, we’ll help you find the perfect mobility scooter for your needs.

Wrapping It Up

Are motorized scooters covered by insurance? For many, the answer is yes, but the path to approval requires careful planning. From securing medical documentation to exploring both insurance and alternative funding options, there’s a way forward.

Mobility scooters can restore your independence, making everyday life easier. Whether you’re a senior, caregiver, or healthcare professional, knowledge is your greatest tool in getting the support you need. After all, don’t you deserve to move freely and with confidence again?

For more information on different types of scooters, explore our Guide to Enclosed Mobility Scooters.

If you're considering other mobility solutions, check out our guide on Why the Orin Bed Is a Game-Changer for Sleep and Mobility.