What will your insurance cover. I don't think I have read any mention of insurance. Or is that something they no longer cover. Oh Lordy, I hope it's not going that way. I don't need one yet but when I do I want assistance!!! Way back in the day, 1999, when I was needing a wheel chair for my daughter's college tours and orientation, I was getting one through my insurance about every 2 months. So they just paid for it! I still use it and so has my sister, Mom, SIL and i'm sure other people. It's just a manual.