Medicare and Insurance for Mobility Equipment: What You Need to Know

Journey Health & Lifestyle offers power wheelchairs, mobility scooters, lift recliners, upright walkers, and motorized beds.

We do not bill Medicare or private insurance directly — all purchases are made out-of-pocket at checkout. Depending on your plan, you may be eligible to seek reimbursement on your own after purchase. We're happy to provide documentation such as itemized invoices and product specifications to support your claim, but coverage decisions and reimbursement amounts are determined entirely by Medicare or your insurance provider.

Medicare & Private Insurance

Is Mobility Equipment Covered? Some mobility aids — including power wheelchairs and manual wheelchairs — may qualify as durable medical equipment (DME) under Medicare Part B or certain private insurance plans. Approval typically requires a documented medical necessity from a qualified physician, use of an enrolled Medicare-approved DMEPOS supplier, and products that meet specific coverage criteria for your diagnosis.

Why Journey Doesn't Bill Directly: Because Journey is not an enrolled DMEPOS supplier, we cannot bill Medicare or insurance on your behalf. If your plan requires you to purchase through an approved supplier, your product options through that channel may be limited.

Keeping Your Options Open

Many of our customers tell us the right mobility product is life-changing. If Medicare or insurance won't cover what you need — or only offers limited options through approved suppliers — you should still have access to quality equipment that fits your life.

That's why we offer several flexible ways to pay for your Journey product:

Bread Pay® Financing: Monthly payment options on qualifying purchases give you flexibility to get the equipment you need now. Learn more about financing.

FSA & HSA Funds: Eligible products can be purchased using your flexible spending or health savings account — see the FAQ below for details on what qualifies.

Certified Pre-Owned Products: Significant savings on refurbished mobility equipment that meets Journey's quality standards.

Frequently Asked Questions

Click any question below to expand the answer.

Does Journey Health & Lifestyle accept private insurance or bill Medicare directly?

No. Journey is not an enrolled DMEPOS supplier, so we cannot bill Medicare or private insurance on your behalf. All purchases are made out-of-pocket at checkout.

Depending on your plan, you may be eligible to seek reimbursement on your own after purchase. We're happy to provide documentation such as itemized invoices and product specifications to support your claim, but coverage decisions and reimbursement amounts are determined entirely by Medicare or your insurance provider and are not guaranteed.

Can I use HSA or FSA funds to buy a power wheelchair?

In most cases, yes. Power wheelchairs are generally considered eligible medical expenses under IRS guidelines, making them purchasable with HSA or FSA funds. Check with your plan administrator to confirm, as eligibility can vary by account type and employer plan.

Can I use FSA or HSA funds to buy a mobility scooter?

Mobility scooters used for medical purposes are typically eligible medical expenses. As with any HSA/FSA purchase, a physician recommendation or Letter of Medical Necessity (LMN) may strengthen your documentation — particularly for larger purchases or FSA reimbursement claims.

Can I use FSA or HSA funds to buy a lift chair or lift recliner?

The lift mechanism of a lift recliner chair is generally considered a qualified medical expense. Whether the full chair is eligible depends on your specific FSA or HSA plan. We recommend confirming with your administrator before purchasing.

Does Journey accept HSA/FSA debit cards?

Yes. You can use your HSA or FSA debit card at checkout on eligible products, just like a regular debit card. We can also provide itemized invoices if you need to submit for manual reimbursement.

Do I need a Letter of Medical Necessity (LMN) to use my HSA or FSA at Journey?

Not necessarily for HSA purchases, but an LMN from your doctor can be helpful — especially for FSA reimbursement claims or if your administrator requests supporting documentation. Journey does not provide LMNs; those must come from your treating physician. We can provide product documentation to accompany your claim.

Can I use both HSA/FSA funds and another payment method?

Yes. If your HSA or FSA balance doesn't cover the full purchase, you can split payment using your HSA/FSA debit card for the eligible portion and another payment method — including Bread Pay® financing — for the remainder.

Before You Buy: A Quick HSA/FSA Checklist

Confirm these before checkout — it can save reimbursement issues later.

Download Checklist (PDF)

Your Account

  • I know whether I have an HSA, FSA, or both
  • I've confirmed my current available balance
  • My FSA deadline (if applicable) — FSA funds typically expire at year-end

Eligibility

  • I've verified this product category is covered under my specific plan
  • I know whether my plan requires a Letter of Medical Necessity (LMN) for this purchase
  • If an LMN is needed, I have one from my physician (or have requested it)

At Checkout

  • I have my HSA/FSA debit card ready — or know how to submit for manual reimbursement
  • If splitting payment, I know which portion I'm covering with HSA/FSA funds
  • I understand Journey provides itemized invoices — I'll save mine for my records

After Purchase

  • I know my plan's reimbursement submission window
  • I've noted where to upload or mail documentation if submitting manually

Need Help?

If you have questions about documentation we can provide for your claim, our Customer Service team is here to help. Call us at (888) 404-1724 or contact us here

Journey does not bill Medicare or insurance and is not an enrolled DMEPOS supplier. The information on this page is for general educational purposes only. Journey cannot guarantee coverage, approval, or payment from Medicare or any insurance plan. Coverage rules, reimbursement amounts, and required forms can change at any time and may differ by state and by plan. You are responsible for confirming your benefits, obtaining any required prescriptions or documentation, and submitting claims if applicable.