Insurance only pays for one chair every 8 years (IIRC, my aunt who was in a wheelchair died a few years back and so now I no longer have family conversations about these details). The ability to get custom chairs for different purposes would be nice. My aunt had an off road wheelchair for using around the yard, back when she could walk around the house (with a cane), but the doctor warned her she would be full time in a wheelchair around the house before the next time insurance would buy her one. So if you can get the expensive wheel chair for around the yard and afford to buy without insurance a second better suited for around the house that would be useful.
In the middle of the article they say that an insurance-approved wheelchair will tend to cost the patient $1000 after insurance. They're aiming for private purchase at the same price.
