Electric Scooters and Medicare: What You Need to Know Before Buying

An  electric scooter can be life-changing for people with mobility challenges. These scooters provide freedom, independence, and a safer way to move around at home or in the community.

But before making a purchase, it is important to understand how Medicare and private insurance handle scooter coverage. Knowing what is and isn’t covered will help you make the best decision.

Does Medicare cover electric scooters?

Medicare, the federal health insurance program for people age 65 and older and for some younger people with disabilities, does provide coverage for certain types of mobility equipment — including scooters. However, coverage is limited and based on specific medical criteria.

Medicare coverage for scooters used indoors

Medicare Part B may help cover the cost of a scooter if:

• A physician determines it is medically necessary for use inside the home.
• You have a medical condition or disability that makes it difficult to walk safely.
• Your doctor provides both a prescription and a Letter of Medical Necessity (LMN).

In these cases, Medicare may pay part of the cost of a scooter that is designed for indoor use.

Medicare coverage limitations for outdoor scooters

Medicare generally does not cover scooters used mainly outdoors or for recreation. This is because Medicare considers them non-essential or not medically necessary.

For example, if you want a scooter to go shopping, take walks, or use it primarily outdoors, Medicare will not cover the cost. In those situations, the expense would be out-of-pocket.

What about private insurance coverage?

Private insurance plans vary. Some may cover scooters if they are prescribed as medically necessary, while others may have stricter limits. Always review your individual plan and talk with your insurance provider to confirm what’s included.

Why this matters

An electric scooter can transform daily life by making it easier to move safely and independently. But insurance coverage depends on your situation:

• Medicare may cover part of the cost if the scooter is prescribed for indoor medical use.
• Private insurance may offer additional options or limitations.
• Outdoor or recreational scooters are not covered by Medicare and are typically an out-of-pocket purchase.

Before buying, talk with your doctor about your mobility needs and check directly with your insurance provider for details about coverage.

APA Medical’s commitment to mobility

At APA Medical, we carry a wide range of mobility scooters and can help you understand which models may qualify for Medicare or private insurance coverage. Our team is experienced in navigating the paperwork and will guide you through the process so you can make an informed decision.

Visit our mobility scooter page to learn more about available options and coverage requirements.