Are Knee Scooters Covered By Insurance?
- The insurance world is a difficult road to navigate—in an ideal world, this should not be the case. As many people who've used knee scooters can attest, these devices are essential for mobility during recovery—which enables them to resume life as normal as possible. They are way superior to using crutches.
If you find yourself in a position of needing one or foresee needing one—you may be wondering, "will insurance cover my knee scooter?"
The answer is a big "depends."
We wish there were clear answers to this, but there are so many factors at play. In this article, we'll cover some commonly asked questions and along with some tips.
Let start with Medicare.
Will Medicare cover my knee scooter?
While Medicare does cover durable medical equipment (DME), we have learned from customers that it does not cover the cost of a knee scooter (knee walker, as also referred)—even despite knee scooters being classified as a DME.
Medicaid may cover them, but it will depend on your specific policy. You will have to consult with them first.
Why won't my insurance cover the full cost of a knee scooter?
Medicare regards them as luxury items because they argue crutches do precisely the same thing, thus their reason for not covering them. But as we clearly explained, crutches are an antiquated solution to mobility during injuries.
Supplemental insurance coverage
If you have supplemental insurance coverage via Aflac, and you carry an Accident Insurance (Accident Advantage) policy, your knee scooter should be covered under their appliance benefit.
The amount covered will depend on the option level you have, you can check your Accident Advantage policy to see the exact coverage amount, but the average seems to be around $200. Contact your Aflac agent for more detailed information.
Related: Knee Walkers For Sale
Which private insurance companies will cover it?
If you have a private insurance policy, some companies will cover the cost of a medical knee scooter rental or purchase. Again, it will depend on your specific policy. Check with your insurance company to see if they can cover a knee scooter rental or purchase.
At Rent A Knee Walker, we accept most FLEX and Health Saving Account Credit Cards for your knee walker rental. As long as there is a Visa or MasterCard logo on the card, it can be used in the checkout process as a regular credit card.
When you contact your insurance company and they tell you they won't cover it, there may be a chance that they could cover it after-the-fact. Although this is not guaranteed, it doesn't hurt to try. It will require some good old-fashioned persistence and some solid documentation. Here's how:
You would have to file the claim yourself, and follow some specific insurance coverage guidelines. After you are done with your treatment, there may be a way to insist upon the insurance company to cover your expenses. We've compiled a checklist and already provide you with most of the documentation you will need.
Follow the insurance coverage guidelines here.
Renting a knee scooter might be your most cost-saving option
If you foresee needing a knee scooter for a short period, renting one can be a money saving option. Click the link below for a complete guide on renting a knee scooter:
Further Reading: How to Rent a Knee Scooter and Save Money
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