When it comes to mobility aids like walkers, many seniors and individuals with mobility issues rely on health insurance plans to reduce out-of-pocket costs. One of the most frequently asked questions is: Does UnitedHealthcare cover walkers? The answer is yes, but there are conditions and requirements to consider. In this article, we’ll explore the coverage options, eligibility, and how you can qualify for a walker under UnitedHealthcare plans.
Understanding Durable Medical Equipment (DME)
Walkers are classified as Durable Medical Equipment (DME). DME includes medical devices that are:
- Used for a medical purpose
- Designed for repeated use
- Appropriate for use in the home
Most insurance providers, including UnitedHealthcare (UHC), offer coverage for DMEs when prescribed by a physician.
Does UnitedHealthcare Cover Walkers?
Yes, UnitedHealthcare typically covers walkers under its Medicare Advantage (Part C) and certain employer or individual plans. However, coverage depends on the specific plan and whether the walker is deemed medically necessary.
To qualify, the following are usually required:
- A doctor’s prescription
- Proof that the walker is medically necessary
- Use of an in-network supplier that is enrolled with UnitedHealthcare
If you meet the criteria, UnitedHealthcare will often cover 80% of the approved cost after you meet your deductible, with you paying the remaining 20%.
What Type of Walker Will Medicare Pay For?
Medicare Part B (and Medicare Advantage plans from UHC) covers the basic models of walkers such as:
- Standard walkers (without wheels)
- Two-wheeled walkers
- Four-wheeled rollators (if medically justified)
More advanced models or add-ons may not be covered unless specifically required for your condition.
Does UnitedHealthcare Pay for Incontinence Products?
In general, UnitedHealthcare does not cover incontinence supplies like adult diapers or pads under standard Medicare Advantage or employer plans. These items are considered non-covered personal convenience items, unless your state Medicaid benefits include them or you’re enrolled in a Dual Special Needs Plan (D-SNP).
How to Get a Free Walker?
Here are a few ways to get a walker at no cost or reduced cost:
- Through insurance: If medically necessary and covered by your UHC plan, your cost may be minimal.
- Medicaid waiver programs: Depending on your state.
- Local charities and senior services: Organizations like Lions Club or Area Agencies on Aging often assist.
- Veteran’s Affairs (VA): Eligible veterans may receive mobility aids through VA health services.
What Does UnitedHealthcare Not Cover?
UHC, like many insurers, does not cover the following unless there is a specific medical need:
- Over-the-counter items without a prescription
- Personal convenience items (e.g., bathtub lifts, grab bars)
- Cosmetic surgeries
- Non-medically necessary equipment
Always review your plan documents or speak with a UHC representative to confirm what’s covered.
Final Thoughts
If you or a loved one needs a walker, it’s reassuring to know that UnitedHealthcare may cover the cost as long as it is medically necessary and properly prescribed. Make sure to work with your healthcare provider and a UHC-approved supplier to ensure coverage.
