Private Insurance

What should I ask my insurance company before starting the process?

When contacting your private insurance provider, ask for the representative who handles durable medical equipment, mobility equipment, or complex rehabilitation benefits.
Helpful questions include:
Does my plan cover adaptive strollers or mobility equipment?
Is prior authorization required?
Is a physician’s prescription required?
Do I need a PT or OT evaluation?
Is a Letter of Medical Necessity required?
Must the equipment be purchased through an in-network provider?
Are out-of-network benefits available?
Can the family request reimbursement after purchase?
Is there an annual deductible, coinsurance, or benefit limit?
What is the appeal process if the request is denied?
Always request the representative’s name, reference number, and written benefit information whenever possible.
xROVER USA is here to help your family organize the next steps and prepare the supporting documentation needed for a professional submission.
Our role is not simply to provide an adaptive stroller.
Our role is to help families explore every reasonable path toward greater safety, mobility, inclusion, and freedom outdoors.
Life Happens Beyond the Sidewalk.

Can xROVER USA bill my insurance company directly?

Direct billing depends on the insurance plan, the state, the equipment category, and whether a participating medical equipment provider or authorized supplier is required.
In many situations, xROVER USA provides the family with:
An Official Quotation
Product specifications
Clinical support documents
Letter of Medical Necessity guidance
Information for the physician, PT, OT, ATP, case manager, or equipment provider
The family may then work with its insurance company, therapist, physician, or local durable medical equipment provider to determine the correct submission pathway.
Before purchasing, we recommend contacting the insurance company and asking about prior authorization, out-of-network benefits, reimbursement rules, and supplier requirements.

Why might an insurance company deny an adaptive stroller request?

An insurance company may deny a request for several reasons.
Common reasons may include:
The equipment is classified as recreational rather than medically necessary
The request does not include enough clinical documentation
The insurance plan excludes certain types of mobility equipment
The provider believes another device could meet the documented medical need
The request was submitted under the wrong benefit category
The equipment provider or supplier does not meet the plan’s network requirements
Required prior authorization was not completed
A denial does not always mean the process is over.
Families may have the right to request the denial reason in writing, submit additional documentation, or file an appeal. xROVER USA can help provide supporting product and clinical information for the next step, although final decisions remain with the insurance company.

What documents may be required for a private insurance claim?

Private insurance companies often require detailed documentation before reviewing a request for adaptive mobility equipment.Commonly requested documents may include:
A physician’s prescription
Letter of Medical Necessity
Physical Therapy or Occupational Therapy evaluation
Detailed product quotation
Technical Data Sheet
Clinical justification
Information about the user’s diagnosis, mobility limitations, safety needs, and daily activities
Evidence that less appropriate mobility options do not fully meet the individual’s needs
xROVER USA can provide a personalized documentation package to support the family, physician, therapist, ATP, or equipment provider during the submission process.

Can private health insurance help pay for an adaptive outdoor stroller like xROVER?

In some cases, private health insurance may help cover part or all of the cost of adaptive mobility equipment when it is considered medically necessary.
Coverage depends on:
your specific insurance plan,
the medical needs of the child or adult,
the type of benefit available,
the diagnosis and functional limitations,
and the documentation submitted with the request.
Some insurance plans may review an adaptive stroller under durable medical equipment, complex rehabilitation equipment, mobility equipment, or another related benefit category.
Because every insurance plan is different, approval is never automatic. xROVER USA can help your family prepare the documentation needed to begin the conversation with your insurance provider.