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SB 999

AN ACT REQUIRING HEALTH INSURANCE COVERAGE FOR MOTORIZED WHEELCHAIRS.

2025 Regular Session Introduced by Cathy Osten

Connecticut bill mandates health insurance coverage for motorized wheelchairs to improve mobility access for disabled individuals while potentially raising insurance costs.

REF. TO JOINT COMM. ON Insurance and Real Estate
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WeVote Research Nonpartisan
Bill Summary · SB 999

Legislative bill overview

SB 999 would mandate that health insurance plans in Connecticut provide coverage for motorized wheelchairs as a covered benefit. The bill aims to remove financial barriers for individuals with mobility disabilities who depend on motorized wheelchairs for independence and daily functioning.

Why is this important

Motorized wheelchairs can cost $3,000–$30,000+, placing them financially out of reach for many people without insurance coverage. Current insurance coverage for mobility devices varies significantly by plan, leaving gaps that force patients to choose between medical necessity and financial hardship. This bill would standardize coverage across the state's insurance market.

Potential points of contention

  • Insurance cost impact: Insurers and employers may argue mandatory coverage increases premiums for all policyholders, including those who don't use these devices
  • Coverage definition gaps: The bill may lack specificity on what qualifies as a "motorized wheelchair," creating disputes over coverage limits, upgrades, and replacement schedules
  • Medical necessity standards: Disagreement may arise over which patients legitimately need motorized versus manual wheelchairs, potentially requiring detailed clinical criteria
  • Interaction with Medicare/Medicaid: Unclear how state mandate coordinates with federal programs that already cover some populations, potentially creating duplicate or conflicting requirements

Compiled from official sources — confirm details with the bill’s official record.

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