Monday, January 25, 2010

Medicare Coverage of Mobility Scooters

By Brian Kleiner

If you are plagued by pain and weakness that make every day tasks difficult, a mobility scooter may be for you. There's no reason to miss out on the activities you once enjoyed and be compelled to rely on others when you can have your independence back again. You can purchase a scooter at little or no cost to you if you have Medicare coverage.
Does your lack of upper body strength make it difficult for you to use a manual wheelchair? If you answered yes to this question, you may be a candidate for an electric mobility scooter. If you must rely on the help of others for assistance at home to bathe yourself, get dressed, get in or out of bed, or use the bathroom, Medicare may cover up to 80% of the cost of scooter. Coverage falls under Medicare Part B, which does require payment of an annual premium. If you have secondary insurance, the 20% balance may be paid through that provider. Medicare requires that the scooter is needed for in-home mobility. They will not approve coverage for leisure purposes.

Mobility scooters are quite expensive, but if you qualify for Medicare coverage, you can own one at little or no expense to you. Medicare provides coverage for electric mobility scooters through Part B. Part B requires payment of an annual premium. Once your annual premium is paid, Medicare will pay 80% of the cost of the scooter. If you have secondary insurance, the remaining 20% balance can be paid through that provider, literally making the scooter 100% free to you.

You must be physically capable of safely operating the scooter or have someone available to you who can ensure the scooter is operated safely. Your vision must be good. There must not be any physical obstructions in your home that prevent the safe use of a mobility scooter.

If purchasing a mobility scooter is not financially feasible, Medicare will provide coverage for mobility scooter rentals. In either situation, you will save the most money by using a Medicare approved supplier. Participating suppliers accept assignment; meaning they will accept the Medicare approved amount for the scooter. The supplier is responsible for filing all the paperwork with Medicare and Medicare will issue the payment directly to them. When renting an electric scooter, Medicare will issue up to 15 monthly payments to the supplier and you may keep the scooter for as long as you need it. You do have the option of purchasing the scooter after 12 monthly payments have been made. You will receive a letter giving you the option to purchase and have 30 days to respond.

You can purchase your scooter through a supplier that is registered with Medicare but may not participate. The difference here is the supplier will process the paperwork and receive payment from Medicare, but does not accept assignment. This means the supplier can charge up to 15% more for the scooter. Medicare is going to pay the same amount to this supplier, despite the difference in cost. That increases the cost to you. If you want to get a mobility scooter at the best price possible, you should place your order through a participating Medicare supplier.

Mobility scooters are battery operated and come in 3 and 4-wheel versions. They are easy to operate and disassemble for storage or transport. Many come with options for a basket, walker or cane storage, or oxygen tank storage.

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