Money
Paying for mobility equipment: Medicare, Medicaid, the VA and other help
Coverage exists, but it comes with paperwork and rules. Knowing them up front saves weeks — and sometimes the whole cost.
By David Ellison
Senior mobility editor · Updated
Medicare Part B
Original Medicare Part B treats walkers, wheelchairs and power chairs as durable medical equipment. It generally covers 80% of the approved amount after the Part B deductible, when a doctor documents that you need it for use in your home, and you buy from a supplier enrolled in Medicare.
For power wheelchairs, Medicare usually requires a face-to-face exam and a written order showing you can't manage safely with a cane, walker or manual chair. Coverage rules change, so confirm current details at Medicare.gov or by calling 1-800-MEDICARE.
Before you order
- Ask your doctor to note specifically why you need the equipment at home.
- Confirm the supplier accepts Medicare assignment.
- Ask whether you'll rent or buy — some equipment is rented monthly.
- Get the out-of-pocket cost in writing.
- If you have Medicare Advantage, check the plan's own rules and preferred suppliers.
Medicaid and the VA
Medicaid often covers the remaining 20% and sometimes more; rules vary by state. Veterans enrolled in VA health care can get mobility equipment prescribed through the VA, often at no cost — talk to your VA primary care team.
When insurance won't cover it
Many lightweight folding power chairs, travel scooters and second chairs for the car aren't covered because they're considered convenience items. HSA and FSA funds can usually be used for them. Look for loan closets run by churches, senior centers, Lions Clubs and ALS or MS associations — they lend walkers and wheelchairs free.
Ask for the paperwork
Keep copies of every prescription, denial letter and receipt. Denials are often reversed on appeal when the doctor adds detail about daily needs.
This guide is general information, not medical advice. Talk with your doctor, physical therapist or occupational therapist about what's right for you.