To get insurance coverage for Heavy Duty Power Wheelchairs, your insurance provider must determine you have a "medical necessity" for the equipment. This means you must have a condition that requires the equipment to prevent, diagnose, or treat and illness or injury; such as, you are unable to accomplish daily living activities in a safe and timely manner in your home without the aid of a Heavy Duty Power Wheelchair. This includes ruling out ambulating unassisted, using a cane or walker, have insufficient upper body strength to self-propel in a Manual Wheelchair, and that you are unable to maintain postural stability in a power scooter/operate a tiller for scooter. You must need a Power Wheelchair in order to perform your daily living activities.