Information About Insurance For Wheelchairs

If you depend on an electric or manual wheelchair to get you around, wheelchair insurance is a necessity. This piece of equipment, in many cases, is a person's freedom and an extension of their body. Without it, you could not navigate your home, go outside to enjoy nature or do many of the things you enjoy doing. Wheelchair insurance coverage depends on many factors; Medicare covers the costs in some cases as does disability insurance. However, this is not always the case. Learn what you need to know about wheelchair insurance by reading the information offered in this article.

Why would you need wheelchair insurance?

Many people use a wheelchair only occasionally, but others use them around the clock other than the time when they are sleeping. Just like any other medical equipment, a wheelchair can malfunction, wear out or break down. What will happen if your only method of transportation becomes defective?

Electric or manual wheelchair insurance is somewhat of an unusual topic; many people assume that their medical insurance will pay for any repairs or even a replacement, but this is not always true. You can shop online for a wheelchair insurance quote, but be prepared to do a little research so that you are certain of the coverage and how much cost, if any, you will be responsible for.

Wheelchair insurance options

Depending on your financial situation or your age, you may find manual or electric wheelchair insurance available if you qualify for Medicaid or Medicare. Medicaid is a health program for seniors, parents, children and those with disabilities who fall in a low-income bracket, but you MUST be eligible in order to qualify.

Medicare Part B is a branch of Medicare that is responsible for paying for wheelchairs and other medical equipment. Those 65 and over will often find wheelchair insurance with this plan, although there will likely be stipulations or restrictions regarding how much they will reimburse you. Medicare is an option that should be considered if you are looking for electric wheelchair insurance, as they will often pay up to 80% based on certain criteria.

When searching for coverage with individual providers, be aware that wheelchair insurance is often higher for power wheelchairs simply because more problems commonly arise. All health insurance policies state whether they will or will not cover wheelchairs, so be sure to ask your agent and read the policy thoroughly.

In your search for the proper coverage for your needs, inquire about the circumstances under which the provider will cover your wheelchair, and how much the insurance costs. You will definitely want to compare rates, as you will often find that one company offers the exact same coverage as another, but at a discounted rate.

Now that you have an idea of where you may get wheelchair insurance, you can start checking around in order to get the best protection for your needs at an affordable rate.