Electric wheelchairs are rapidly becoming one of the most popular forms of mobility. They offer a safe and reliable form of transportation for people with physical disabilities or limited mobility. But, just like any other type of vehicle, electric wheelchairs need to be insured in order to protect you from potential damages and liability.
In this blog post, we will discuss how to insure an electric wheelchair, the importance of insurance coverage, and what types of coverage are available. We’ll also provide some tips on how to get the best coverage for your needs. So, read on for all the details on insuring your electric wheelchair!
What is an electric wheelchair?
An electric wheelchair is a mobility device that helps people with limited mobility move around independently. Electric wheelchairs typically have a motorized seat and wheels, and can be controlled by joystick or other hand controls. They are powered by batteries, which need to be regularly charged. Electric wheelchairs can be used indoors and outdoors, and can be customized to meet the needs of the user.
How much does an electric wheelchair cost?
There is no definitive answer to this question as the cost of electric wheelchairs can vary greatly depending on a number of factors. However, as a general guide, you can expect to pay anything from around £600 to £5,000 for a decent quality electric wheelchair. The most expensive models will usually offer the best performance and features, but it is important to remember that cheaper options can still be perfectly adequate for many users. Ultimately, it is important to choose a wheelchair that meets your individual needs and budget.
Does Medicare cover electric wheelchairs?
One of the most common questions we get asked is whether Medicare will cover the cost of an electric wheelchair. The simple answer is that it depends on your specific circumstances.
Medicare will only cover the cost of an electric wheelchair if it is considered medically necessary for you to have one. This means that your doctor must prescribe it for you and document why it is medically necessary for you to have an electric wheelchair.
If Medicare does determine that an electric wheelchair is medically necessary for you, they will cover 80% of the cost after you pay a deductible. You will be responsible for the remaining 20% plus any costs above and beyond what Medicare considers to be reasonable and necessary.
If you think you may need an electric wheelchair, we recommend talking to your doctor about it and seeing if they believe it would be medically beneficial for you to have one.
How to get an insurance quote for an electric wheelchair
When looking for insurance for your electric wheelchair, it is important to shop around and get multiple quotes. Here are a few tips on how to get an insurance quote for your electric wheelchair:
1. Start by contacting your current health insurance carrier. They may have coverage options for electric wheelchairs that you are not aware of.
2. If you do not have health insurance, or if your health insurance does not cover electric wheelchairs, contact a few different insurance companies and ask for quotes. Be sure to ask about any discounts that may be available.
3. When getting quotes, be sure to provide the company with as much information as possible about your wheelchair and your needs. This will help them give you an accurate quote.
4. Once you have a few quotes, compare them side by side to see which one offers the best coverage at the best price. Then, choose the policy that is right for you!
What are the benefits of insuring an electric wheelchair?
There are many benefits to insuring an electric wheelchair. Some of the main benefits include:
1. Coverage in case of theft or damage – When you have your electric wheelchair insured, you will have coverage in case it is stolen or damaged. This can give you peace of mind and help you replace your wheelchair if something happens to it.
2. Coverage for accidents – If you are in an accident and your electric wheelchair is damaged, your insurance can help cover the cost of repairs or replacement. This can be a huge relief, especially if the accident was not your fault.
3. Financial protection – If you are ever unable to use your electric wheelchair due to an accident or illness, your insurance can help pay for rental costs or other expenses associated with getting around. This can take a lot of financial stress off of you and your family during a difficult time.
Conclusion
Finding the right insurance for an electric wheelchair can be a difficult process, but it is well worth the effort. An electric wheelchair can provide valuable freedom and independence to those who might otherwise struggle with mobility, so having the proper insurance in place is essential.
It’s important to research your options thoroughly and make sure you understand what coverage you will receive before purchasing a policy. By following these tips, you should be able to find the perfect plan that meets your needs and provides peace of mind.