Motorized Scooter Insurance: A Guide to Coverage & Claims

If you find yourself with limited mobility you are, understandably, considering what options are available to you. For example, you may contemplate a manual or motorized wheelchair. Another more versatile option available to you is a motorized scooter. As you contemplate a motorized scooter, you need to understand what steps to take in order to obtain insurance coverage for the purchase of such equipment.

Things You'll Need

• Insurance claim form
• Medical necessity statement from doctor

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Instructions

• 1

  Schedule a consultation with the doctor who diagnosed or treats the condition that impairs your mobility.

• 2

  Discuss with your doctor your desire to obtain a motorized scooter to aid in lessening your mobility constraints.

• 3

  Obtain from your doctor a written statement explaining why a motorized scooter is medically necessary. It should explain why the scooter is preferable over a wheelchair or other mobility enhancing device.

• 4

  File a claim form with your health insurance company. Many insurance companies now offer online portals through which you can complete a claim form on the company's website. Or, your insurer can provide you with a hard copy claim form. Keep in mind that along with the claim form you will submit a copy of the medical recommendation.