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How to Get an Insurance-Covered Power Mobility Device
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How to Get an Insurance-Covered Power Mobility Device

A powered mobility device can help you live a more independent life. 

There are essentially two options for you if you chose to go this route: Power Scooters and Power Wheelchairs.  This is not only a preference but is also dependant upon what you will use your powered mobility device for.

Power Wheelchair vs Power Scooter

If you want to use your powered mobility device around the house, a power wheelchair may be your best bet. Tight turns, narrow hallways, and navigating furniture are all more easily managed using a smaller, more compact chair. Along with this, a scooter may be harder to use for cooking, cleaning, using the shower or toilet because you cannot get quite as close since they are bigger.

On the other hand, scooters are much better for traveling and use in outdoor or day-to-day activities. If you primarily want to use your powered mobility device for touring the neighborhood, going to stores or being outside, you probably want a scooter. They are usually faster, larger, more durable, and have bigger wheels which are better for varied terrain.

Your insurance may assist with the purchase of a power wheelchair if you have certain limited mobility issues. These issues must negatively affect your ability to perform one or more mobility-related activities you participate in on a regular basis.

You may qualify for a power wheelchair through insurance if the following applies:

  • Individual mobility is grossly impaired and affects the ability to participate in one or more of the MRADLs (mobility-related activities of daily living).
  • The limits of mobility won't see drastic improvement even while using a cane or walker
  • A manual wheelchair is not adequate for medical improvement
  • Can safely transfer on and off and maintain posture, stability, and position
  • Mentally capable of operating the equipment safely at home
  • Physically capable of operating the equipment safely in the home
  • The home supports the use of a power wheelchair.

Medical Documentation

This information must be supported with physical documentation from a doctor and provided in the form of F2F (face-to-face) notes. During this F2F visit, your doctor will perform an actual mobility evaluation, which will review your history of mobility issues and include a physical exam to determine your current mobility level. If additional information is needed (usually by your insurance company), you may be required to see a physical therapist or occupational therapist in addition to your primary care physician.

If you’re looking to gain back your independence, a powered mobility device may be just what you need.

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