Does Insurance Cover the Cost of Handicap Vans?

Some of the most frequent questions we get from car owners around Denver involve how to pay for a handicap van or SUV. You have two main options when selecting a handicap-accessible vehicle for Aurora drives and beyond: converting your current vehicle or buying a new or used vehicle already outfitted with the equipment you need. Our guide from Mobility of Denver near Lakewood outlines if Medicare will pay for a handicap van and grants for wheelchair vans. 

Does Insurance Cover Handicap Vans When Purchasing One?

Typically, no, insurance does not cover handicap vans when you need to purchase one. The most common way to pay for one of these vehicles when you first need one is through grants for wheelchair vans if you can’t afford to buy one through auto financing. 

If you already own a wheelchair-adapted van or SUV, your auto insurance policy may cover a replacement if you are in an accident or if comprehensive coverage will pay for it. But insurance does not cover handicap vans for your initial purchase of one of these vehicles.

Will Medicare Pay for a Handicap Van?

In general, no, Medicare will not pay for a handicap van. In order for Medicare to cover something, a doctor must prescribe something as medically necessary. A vehicle is usually not medically necessary for disabled patients.

Your best route is to apply for grants for wheelchair vans. 

Grants for Wheelchair Vans in Colorado

Several organizations in Colorado can help with grants for wheelchair vans in Colorado. We also highly recommend reaching out to organizations for your specific disability. Our team additionally suggests reaching out to veterans organizations if you are a current or former service member. 

Look at our grant resources page for more information on the organizations that can help you! If you have any questions, contact us through our form or call (844) 289-2635 to speak to our team.

Find an Adapted Vehicle in Denver

Do you need help finding an adapted vehicle for you or your loved one? We have a wide range of new and used vehicles with mobility adaptations on our lot. We also have a finance center that can help you with an auto loan. Our specials could get you a great deal on a fantastic vehicle with the modifications you require. The team at Mobility of Denver near Englewood is happy to help in any way we can!