Q: Will Medicare cover the cost of wheelchairs and walkers?
A: Yes. Medicare Part B covers a portion of the cost for medically-necessary wheelchairs, walkers and other in-home medical equipment (Medicare will not cover power wheelchairs that are only needed for use outside the home). Talk with your doctor about your needs. He or she can write a prescription that can be filled at a designated medical supply company.
The Part B deductible will apply (if the enrollee has not already met the deductible earlier in the year; in 2018, the Part B deductible is $183), and in most cases, patients will also pay 20 percent of the cost after the deductible. In general, Medicare pays to rent the equipment on the patient’s behalf, rather than buy it. But there are some situations in which Medicare will purchase the equipment, so talk with your doctor and medical equipment supplier to be sure you understand how the coverage works.
Both the doctor and the medical equipment supplier must be enrolled in Medicare in order for the claim to be covered, so double check before you purchase medical equipment. And you’ll want to understand the difference between providers that accept assignment with Medicare and those that don’t. A durable medical equipment supplier that’s enrolled in Medicare might not accept assignment, which means that the patient will end up paying more for the equipment. As long as the supplier is enrolled in Medicare and also accepts assignment, the patient will not have to pay more than the Part B deductible and 20 percent of the rest of the cost (see page 12 of this booklet for more information on how this works).
Depending on where you live, you may be in an area that is using Medicare’s Competitive Bidding Program for durable medical equipment. If you are, you’ll need to make sure you’re using a Medicare contract supplier, and your charges still won’t exceed 20 percent of the cost. Because the Competitive Bidding Program has resulted in lower costs on durable medical equipment, the portion that the patient pays is also lower.
If the patient has a Medigap (Medicare supplemental insurance) plan, it will likely pay all or a portion of the 20 percent coinsurance for durable medical equipment like wheelchairs.
Coverage of durable medical equipment will vary from plan to plan if the enrollee has Medicare Advantage coverage. These plans are required to cover the same things that Original Medicare covers, so they do provide benefits for durable medical equipment. But the specifics of the coverage will vary depending on the plan. In that case, the Medicare Advantage insurer will be able to explain the coverage details and what steps need to be taken (eg. a prescription from a doctor, prior authorization, etc.) in order to have coverage under the plan.
Used wheelchairs, walkers and basic medical supplies can also be found at even greater savings as church bazaars, estate sales, garage sales and online.