Do Insurance Companies Cover Electric Wheelchairs?

A question many people with disabilities and elderly people might be asking themselves is “do insurance companies cover electric wheelchairs?. And while it might seem like such an answer would be straightforward, the answer isn’t always yes or no. That’s why we’re here to help!


If you have an electric wheelchair, you may be wondering if your insurance company will cover the cost of the device. While coverage may vary depending on your insurance provider, many companies do offer some level of coverage for electric wheelchairs.

Some insurance companies will cover the full cost of an electric wheelchair, while others may only cover a portion of the cost. In some cases, you may need to meet a certain deductible before your insurance company will start covering the cost of your wheelchair.

If you’re not sure if your insurance company covers electric wheelchairs, it’s best to contact them directly to find out. You can also ask your doctor or other health care provider if they know of any programs that can help offset the cost of an electric wheelchair.

Are Insurance Companies Required to Cover an Electric Wheelchair?

No, insurance companies are not required to cover electric wheelchairs. However, some insurance companies may offer coverage for electric wheelchairs as part of their policy. It is important to check with your insurance company to see if they offer any coverage for portable electric wheelchairs.

Qualifying Conditions for Coverage

Electric wheelchairs are a type of medical equipment that can be extremely expensive. However, many insurance companies will cover at least a portion of the cost of an electric wheelchair if it is medically necessary. There are a few different things that must be true in order for insurance coverage to apply, however.

First, the insured must have a condition that limits their mobility. This could be anything from a neuromuscular disorder to paralysis. Second, a doctor or other medical professional must prescribe the use of an electric wheelchair. And finally, the insurance company must consider the electric wheelchair to be medically necessary in order for coverage to apply.

If you think you might qualify for coverage, be sure to check with your insurance company to see what their specific requirements are.

Cost of Insurance Coverage for an Electric Wheelchair

When it comes to insurance coverage for electric wheelchairs, the cost will vary depending on the insurance company and the policy you have. However, there are a few things to keep in mind that will help you get an idea of what to expect.

First, most insurance companies consider an electric wheelchair to be a durable medical equipment (DME). This means that they will typically cover at least a portion of the cost, if not all of it.

Second, the type of policy you have will also affect the cost of coverage. For example, if you have a health insurance policy, it is likely that it will cover electric wheelchairs to some degree. However, if you have a long-term care insurance policy, the coverage for electric wheelchairs may be more limited.

Finally, it is important to remember that insurance companies often have different rules and regulations when it comes to coverage for electric wheelchairs. As such, it is always best to check with your specific insurer to see what they cover and how much they are willing to pay.


While there are a few exceptions, most insurance companies will cover folding electric wheelchairs if they are medically necessary. If you think an electric wheelchair is right for you or a loved one, talk to your doctor and check with your insurance company to see if coverage is available. With the right information, you can get the mobility assistance you need without breaking the bank.

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