Does Insurance Pay for a Wheelchair-Accessible Vehicle?

December 21st, 2020 by

If you’re looking for ways to enhance your mobility, you may be wondering about assistance for purchasing a wheelchair-accessible vehicle. There are several possibilities for financial help, from insurance to state programs, and it’s important to know what works best. To decide on the best solution for your needs, do your research and make sure you understand all your options.

Does Insurance Pay for Wheelchair Vans?

Medical and auto insurance can be complicated and confusing, particularly when you’re trying to get the wheelchair-accessible equipment you need. Whether you’re looking at auto insurance carriers or health care insurance providers, know what these providers can and can’t do for you.

Medicare and Wheelchair Vehicles

Medical insurance, including Medicare and Medicaid, does not cover the cost of wheelchair-accessible vehicles. Programs such as Medicare only handle specific health care expenses such as hospital visits, outpatient services and prescription drugs.

While Medicare does not cover wheelchair vehicles, it may be able to cover the cost of your wheelchair and other crucial equipment. While almost all medical insurance companies do not cover the cost, we do not want to discourage you from trying to work with a private provider to qualify for transportation assistance. We recommend contacting your provider about your specific coverage.

Auto Insurance and Wheelchair Vehicles

Auto insurance for drivers with disabilities focuses on covering accidents, so it will not cover the cost of accessible vehicles or wheelchair conversions. However, your insurance is an essential asset for protecting your vehicle long term. While auto insurance often won’t cover wheelchair vehicles, you could have coverage for your wheelchair conversion in case of an accident.

Options to Get Assistance for Your Vehicle Purchase

Insurance offers many benefits, but it most likely can’t help you get a wheelchair vehicle. Fortunately, you do have other options for assistance, including:

  • Veteran assistance. If you’re a veteran, you may qualify for a rebate to help you get a mobility van.
  • State assistance. Most states offer several assistance and grant programs to help you get the equipment you need.
  • Auto loans. There are various financing options to help you purchase an accessible vehicle that fits your budget.

Let Us Help Meet Your Accessibility Needs

At Freedom Motors, we’re a leading wheelchair-accessible SUV manufacturing company. We’re dedicated to helping you find the best solutions to enhance your mobility.

If you’re looking to get a vehicle that offers exceptional accessibility and quality, we have what you need. We offer the largest and most reliable inventory of accessible cars in the country, so you can find the right option. For over three decades, we’ve been providing trusted products to meet our customers’ accessibility needs, and we continue to deliver on our commitment to excellence and dependability.

Learn more about how we can help you find the right accessible vehicle by contacting one of our mobility specialists today.