Financing, VA contracts, Medicaid where a state program covers it, homeowners claims and workers compensation. We will tell you which of these applies to you before you commit to anything.
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Five Ways This Gets Paid For
Not all of them apply to everybody, and we would rather say that here than after a survey.
01
Financing
Monthly payments rather than the whole cost at once. Ask on the first call and we will tell you what is available and what it actually costs over the term.
02
VA contracts
We are a federal contractor and approved vendor to the VA, working with dozens of medical centers. We cannot tell you what the VA will pay for; your care team starts that.
03
Medicaid
Depends entirely on the state and the program. Some equipment, some places. We will tell you plainly rather than start paperwork that goes nowhere.
04
Homeowners insurance
Where equipment has been damaged by a storm, a power surge, or similar, homeowners policies have paid to replace stairlifts and platform lifts. Start a claim and give us the number.
05
Workers compensation
After a work-related injury, workers comp has paid for stairlifts and platform lifts to be installed. If you have an open claim, we will work with your adjuster.
We do not yet bill health insurance. That is the one route we cannot take, and we would rather you knew now.
Pay Over Time At Checkout
On online orders in the My Mobility Center store, our secure checkout by Stripe offers Affirm, Klarna or Afterpay. Choose one on the payment page, and the provider shows the plans your order qualifies for. You repay the provider; we are paid in full when the order is placed.
Affirm
Pay in 4 or monthly plans
Affirm is a pay-over-time lender. You choose Affirm at checkout, pick a payment plan, and repay Affirm directly. We are paid in full when the order is placed.
How It Works
Choose Affirm on the secure checkout page.
Create or log in to your Affirm account (on a phone, in the Affirm app if you have it).
Pick a payment plan and accept its terms.
You return to us with the order placed, and Affirm collects the payments over time.
Key Features
Plans offered depend on the order amount: pay in 30 days, Pay in 4 interest-free payments every 2 weeks, or monthly installments of 3 to 36 months, which might include interest.
Affirm Pay in 4 is 0% APR. Monthly plans are 0–36% APR based on credit.
Creating an Affirm account and checking your purchasing power will not affect your credit, Affirm says. Pay-over-time plans and your payment history may, and Affirm reports its plans to Experian and TransUnion.
See your payment schedule at affirm.com or in the Affirm app.
Through our checkout: orders from $35 to $30,000.
Payment options through Affirm are provided by these lending partners: affirm.com/lenders. Your rate will be 0–36% APR based on credit, and is subject to an eligibility check. Affirm Pay in 4 payment option is 0% APR. Options depend on your purchase amount and may vary by merchant. A down payment may be required. Affirm availability and eligibility may vary. Restrictions apply. See affirm.com/terms#use. California residents: Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation. Loans are made or arranged pursuant to California Financing Law license 60DBO-111681.
Klarna lets you split a purchase, pay it later or spread it over months. You choose Klarna at checkout and repay Klarna directly. We are paid in full when the order is placed.
How It Works
Choose Klarna on the secure checkout page.
Klarna shows the options your order qualifies for. Pick one and complete Klarna’s steps.
You return to us with the order placed.
Klarna collects the payments: for Pay in 4, the first when your order ships and the other three every 2 weeks after.
Key Features
Pay in 4: four payments, interest-free when you pay on time. A missed payment Klarna cannot collect a second time carries a late fee of up to $7, and late fees never total more than 25% of the order value.
Pay in 30 days: no interest and no fees when you pay on time. Your 30 days start when the order ships.
Pay over time: up to 24 months, 0.00%–35.99% APR based on creditworthiness and term length, issued by WebBank. The first payment is due one month after the order is processed.
Klarna says it runs a soft credit check for Pay in 4, Pay in 30 days and Pay over time, and soft checks do not affect your credit score.
Manage your payments in the Klarna app.
Through our checkout: Pay in 4 on orders from $1 to $2,000, Pay in 30 days from $5 to $1,000, Pay over time from $45 to $10,000. Pay in 4 is not offered in New Mexico or Hawaii, Pay in 30 days not in Montana, New Mexico or Hawaii, and Pay over time not in Iowa, West Virginia or Massachusetts.
Annual Percentage Rate (APR) ranges from 0.00%-35.99% APR based on creditworthiness, term length. Monthly financing through Klarna issued by WebBank. CA resident loans made or arranged pursuant to a California Financing Law license. NMLS # 1353190.
Afterpay splits a purchase into installments. You choose Afterpay at checkout and repay Afterpay directly. We are paid in full when the order is placed.
How It Works
Choose Afterpay on the secure checkout page.
Create or log in to your Afterpay account (on a phone, in the Afterpay app if you have it).
Pick a payment plan and accept its terms.
You return to us with the order placed, and Afterpay collects the payments over time.
Key Features
Pay in 4: four payments every 2 weeks, the first one upfront. Afterpay says Pay in 4 is interest-free; a finance fee may apply to certain transactions.
Pay Monthly: 6 or 12 monthly payments, 0.00% to 35.99% APR depending on eligibility, subject to a credit check and approval, issued by First Electronic Bank. A down payment may be required.
Afterpay says there are no late fees on Pay in 4 when you pay on time; late fees may apply otherwise.
Track your payments in the Afterpay app.
Through our checkout: Pay in 4 on orders from $1 to $2,000, Pay Monthly from $400 to $4,000.
You must be 18 or older, a resident of the U.S. and meet additional eligibility criteria to qualify. Late fees may apply. A finance fee may apply to certain transactions. Loans with a finance fee are underwritten and issued by First Electronic Bank. Pay in 4 loans without a finance fee to California residents are made or arranged pursuant to a California Finance Lenders Law license. Pay Monthly APRs range from 0.00% to 35.99%, depending on eligibility and merchant. Pay Monthly loans are subject to credit check and approval and are not available in all states. Afterpay US Services, LLC, NMLS ID 1870854.
Pay in 30 days, Pay in 4 (every 2 weeks) or monthly plans of 3 to 36 months, depending on the order amount
Pay in 4 (every 2 weeks), Pay in 30 days, or Pay over time up to 24 months
Pay in 4 (every 2 weeks), or Pay Monthly over 6 or 12 months
Interest
Pay in 4: 0% APR. Monthly plans: 0–36% APR based on credit
Pay in 4 and Pay in 30 days: none when paid on time. Pay over time: 0.00%–35.99% APR
Pay in 4: interest-free, though a finance fee may apply to certain transactions. Pay Monthly: 0.00% to 35.99% APR
Order range at our checkout
$35 to $30,000
$1 to $2,000 (Pay in 4), $5 to $1,000 (30 days), $45 to $10,000 (over time)
$1 to $2,000 (Pay in 4), $400 to $4,000 (Pay Monthly)
Credit check
Creating an account and checking your purchasing power do not affect your credit; plans and payment history may
Soft credit check, which does not affect your credit score
Pay Monthly: credit check and approval. Pay in 4: not stated by Afterpay
Late fees
See Affirm’s terms at affirm.com
Pay in 4: up to $7 per missed payment, never more than 25% of the order
Pay in 4: none when you pay on time. Otherwise late fees may apply
Where you manage it
affirm.com or the Affirm app
The Klarna app
The Afterpay app
Plans, ranges and rates are set by each provider and can change. You see the exact terms, and whether you qualify, before you accept a plan.
Ways to pay at checkout: credit and debit cards (Visa, Mastercard, American Express, Discover and others), Apple Pay and Google Pay on devices that support them, Link, Cash App Pay, Amazon Pay, a US bank account (ACH), crypto (stablecoins), and the pay-over-time options above. Which ones you see depends on your order, device and browser.
These options are for online store orders. Installed equipment, such as stairlifts, platform lifts, vehicle lifts and home access, is priced with a quote for your home and is not paid through the store checkout today.
Yes. Ask on the first call and we will tell you what is available, what the term is, and what it costs in total rather than only per month.
Do you bill health insurance?
Not yet. VA contracts, Medicaid depending on the state and program, homeowners claims and workers compensation are different and we work with all of them.
Will Medicare cover a stairlift?
Generally no. Stairlifts are usually treated as a home modification rather than durable medical equipment. Check with your plan rather than take our word for it.
Is there a tax deduction?
Sometimes, where the equipment is medically necessary and documented. We are not accountants, so ask yours. We can provide the itemized invoice they will want.
Do you charge for the survey?
No. All consultations, estimates, and scopes of work are provided completely free of charge, with no pressure or obligation. Sometimes the outcome is that you do not need us.
When do I pay?
Not before you have a written scope and a price in front of you and have said yes to it. The price you agree is the price of the job.
Can I pay over time when I order online?
Yes, on orders in our online store. Where a product shows a Buy now button, our secure checkout by Stripe offers Affirm, Klarna or Afterpay when your order qualifies. Which plans you see depends on the order amount, where you live and the provider’s own eligibility check.
Will choosing one of these check my credit?
Affirm says creating an account and checking your purchasing power will not affect your credit, while its pay-over-time plans and your payment history may; it reports plans to Experian and TransUnion. Klarna says it runs a soft credit check for Pay in 4, Pay in 30 days and Pay over time, and that soft checks do not affect your credit score. Afterpay says Pay Monthly loans are subject to credit check and approval.
Is there interest?
Affirm: Pay in 4 is 0% APR; monthly plans are 0–36% APR based on credit. Klarna: Pay in 4 and Pay in 30 days carry no interest when you pay on time; Pay over time is 0.00%–35.99% APR based on creditworthiness and term length. Afterpay: Pay in 4 is interest-free, though a finance fee may apply to certain transactions; Pay Monthly is 0.00% to 35.99% APR depending on eligibility. You see the exact terms before you accept a plan.
Who do I pay, and where do I manage the payments?
You repay the provider directly, not My Mobility Center. Manage the payments with Affirm at affirm.com or in the Affirm app, Klarna in the Klarna app or Afterpay in the Afterpay app.
Can I use them for a stairlift or other installed equipment?
Not today. Installed equipment is priced with a quote for your home, and those quotes are not paid through the store checkout, so these options apply to online store orders only.
What happens if I return something?
Our Refund Policy decides what can be refunded. When we refund an order paid this way, the provider cancels the remaining payments and returns what you have already paid (Affirm returns it minus any interest paid).
Why don’t I see these options at checkout?
Each provider decides what to offer by the order total and where you live, and each has its own minimum and maximum. If your order is outside a provider’s range, or its plans are not offered in your state, it does not appear. Card and the other payment methods remain available.
The Credentials Behind The Work
Anybody can sell equipment. Installing it legally, configuring it clinically, and servicing it afterward takes credentials that have to be earned and kept current. Here is what our team holds.
Elevator Mechanic
State Elevator Mechanic Licenses
Licensed elevator mechanics, state by state. Residential elevators and platform lifts are regulated work in most jurisdictions, and this is the license that makes it legal to do.
ATP
ATP, Assistive Technology Professional
RESNA-recognized credential for evaluating a person's needs and specifying the assistive technology that fits. This is who you want configuring a power chair or a seating system.
CRTS
CRTS, Complex Rehab Technology Supplier
The credential for supplying individually configured complex rehab. It is what separates a supplier who works alongside your clinical team from one who ships a box.
CAPS
CAPS, Certified Aging-in-Place Specialist
Training in modifying a home so someone can stay in it. It is the difference between installing equipment and understanding the house it goes into.
MSE
Mobility Service Excellence
Industry service certification covering installation, maintenance, and repair standards across mobility equipment.
EPA 609
EPA Section 609
Federal certification for handling refrigerant in vehicle air conditioning. It is required to legally service a bus AC system, and it is why fleet work is something we can actually take on.
Tell Us What You Are Working With
We will tell you which of these routes actually applies to your situation before anybody comes out.
