How to Pay for a Mobility Scooter or Power Chair in Charlotte

Close-up of hands signing a purchase document with a pen

Wondering how to pay for a mobility scooter, power wheelchair, or lift recliner? Here are the options Charlotte Mobility customers use most — and the honest pros and cons of each. The short version: we don’t bill Medicare or Medicaid directly, but most customers still get reimbursed through their private insurance, and we make that process simple.

Does Charlotte Mobility bill Medicare or Medicaid?

No — we don’t bill Medicare or Medicaid directly. Providers who do are often tied to long waits (commonly 8–12+ weeks), strict medical-necessity rules, frequent denials, and a limited choice of basic models. Instead, we focus on getting you the right equipment right away and helping you recover the cost through your own insurance.

1. Buy now & get reimbursed by private insurance

This is the most common path. You purchase your scooter or power chair from us today and submit a claim to your private insurer for reimbursement — often 50–80% depending on your plan. As a National Provider of DME, we supply everything your insurer needs:

  • A detailed, itemized invoice
  • Our National Provider Identifier (NPI) and Tax ID
  • HCPCS coding, when required
  • The CMS-1490S claim form and any supporting documentation

You get your device immediately, choose any model you want, and avoid the multi-month approval cycle. Our complete insurance & reimbursement guide walks through the exact step-by-step checklist, including the prescription and forms you’ll need.

2. HSA, FSA & HRA funds

Mobility scooters, power wheelchairs, and many mobility aids are eligible medical devices, so you can pay with tax-free HSA, FSA, or HRA dollars. It’s a simple way to lower your real cost without waiting on a claim.

3. Financing

Prefer to spread the cost over time? We offer financing options so you can get moving now and pay monthly.

4. Pay upfront

Paying directly is the fastest route to your equipment — and you can still submit for private-insurance reimbursement or use HSA/FSA funds afterward.

A note on lift recliners

For power lift recliners, Medicare may reimburse a portion of the seat-lift mechanism (not the chair itself) in some cases. Since we don’t bill Medicare directly, customers typically purchase from us and submit for reimbursement with the documentation we provide.

Compare specific models

Not sure which model is right for you? These side-by-side guides break down the most popular options:

Frequently asked questions

Does Charlotte Mobility accept Medicare or Medicaid?

We don’t bill Medicare or Medicaid directly. Most customers buy from us and submit for private-insurance reimbursement (often 50–80%), using the itemized invoice, NPI, Tax ID, HCPCS coding, and CMS-1490S form we provide.

Can I get reimbursed by my private insurance?

Often, yes. Coverage varies by plan, but many private PPO and supplemental plans reimburse part of a mobility scooter or power chair. Call your insurer to confirm, then we’ll supply the documentation for your claim.

Can I use my HSA or FSA?

Yes — mobility scooters and power chairs are eligible medical devices, so HSA, FSA, and HRA funds can be used.

Do you offer financing?

Yes. See our financing options to spread the cost into monthly payments.

How fast can I get my scooter?

Right away — because you’re not waiting on Medicare approval, you can buy and take delivery now, then pursue reimbursement on your own timeline.

Charlotte Mobility · 852 Gold Hill Rd, Suite 102, Fort Mill, SC 29708 · (704) 879-5189 · Mon–Fri 10am–3pm (Sat by appointment)