I finely had someone from my insurance company explain how all this stuff works (if he has it right).
Under age 65... You can have Medicare, a Medicare Replacement, or Medicaid.
Over 65... You can have Medicare + a secondary or supplemental.
But if you are under 65 on Medicare/Replacement, there is no insurance you can get to cover the 20% co-pay on wheelchairs. Unless you are on a Medicaid plan. That sucks!
Greg
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