Paying for itWhat insurance will and will not do
Medical necessity · Medicare PDAC · prior approval
Insurance covers equipment based off of medical necessity, and every item that goes through insurance must be on Medicare’s PDAC for it to be eligible at all. POVs — scooters — are broken down by weight limit: 0 to 300, 300 to 450, and 450 and up, in pounds. Those classes are how insurance sorts them.
Scooters are the hardest thing to fund
Insurance companies have long since recognized the trend to use scooters outdoors, and some have excluded scooters from their benefits. The few that still contain scooters in their benefits limit the use of the scooter to in-home use with limited community access — physician appointments, church, or shopping.
You do have the option to upgrade, whether for higher clearance or add-ons like a basket or a cup holder. Most add-ons and upgrades are not covered by insurance, so plan on paying for those yourself.
Assignment
Assignment is the arrangement where a supplier bills your insurer directly and waits to be paid. Power operated vehicles — scooters — are non-assignment only here. Even with a prior authorization in hand, a scooter has to be paid for up front before it is delivered.
That restriction is specific to POVs. It is not a blanket policy across everything we sell, so ask us how a given item will be paid for before you order it rather than assuming either way.
Our goal is still customer service. We will work with you, provide the education, and go through the other options — including portable wheelchairs that are often better suited to the home than the scooter somebody came in asking for.