FAQ
Is medical equipment covered under insurance?
Yes, most health insurance plans cover at least some medical equipment, but coverage is typically limited to durable medical equipment (DME) that is medically necessary, prescribed by a licensed provider, and obtained from an approved supplier.
What Qualifies as Covered Medical Equipment
Insurers and Medicare Part B generally define coverable DME as equipment that withstands repeated use, serves a medical purpose related to an illness or injury, and is appropriate for home use. Common examples that meet these criteria include:
- Wheelchairs, walkers, canes, and power mobility scooters
- Hospital beds and pressure-reducing support surfaces
- Respiratory equipment such as CPAP machines, nebulizers, and oxygen concentrators
- Blood glucose monitors and related diabetes supplies
- Infusion pumps, suction pumps, prosthetics, and orthotics
Items that are primarily for comfort, convenience, or general wellness (stair lifts, air conditioners, fitness equipment) are typically excluded. Home modifications such as ramps or widened doorways are also not covered under standard plans.
Why a USPAP-Compliant Appraisal Matters for Insurance Purposes
When filing an insurance claim or establishing coverage for medical equipment, insurers require a defensible, documented value. A USPAP-compliant appraisal prepared by our team gives your insurer a clear, standards-based valuation that supports accurate coverage amounts and streamlines the claims process. This is especially relevant for higher-value assets such as imaging systems, surgical equipment, and diagnostic devices covered under a hospital equipment appraisal or a practice-level policy.
If you need to establish fair market value for an insurance filing or coverage renewal, start your appraisal to get a fixed-fee quote scoped to your equipment.