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My loved one lives in a nursing facility. She is able to sit in a wheelchair safely. If it is an appointment that she does NOT need to transfer to a table, she can go by ambulette in her wheelchair no problem. However if it is an apt that she will need to transfer to a table for examination she would need to go by gurney. How else would she be able to get on the table? Will Medicare/Medicaid cover this? The transportation company states it is a problem with insurance to switch transportation methods from w/c to gurney.

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On the few occasions my mom needed to be on a table, an aide was sent from the NH and the doctor's staff assisted.

If the doctor wants a patient on the table, that's his or her problem, not mine.
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Check with your public transportation company. They might have a paratransit program. If they do then you can get them to supply you with transport at a reasonable fee or no fee at all. I know florida has this but not sure if other states do.
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I don't recall anything like the transfer issue when I had to hire a paratransit company for my father, but that was back in 2004. This sounds like a company specific policy.

As Unmarried suggests, check out public transportation. They have services with drivers trained to use wheelchair lifts. I don't think they would continue the ride by taking your parent into the doctor's office, but my experience is that nurses get together and help someone transfer from a wheelchair to the doctor's exam table.

Search in your area for paratransit, direct bus service, point to point service, dial-a-ride or small bus services. These are all descriptions of the kind of service you need. Different public transit companies have different designations for this service.

You can also check out these similar posts on paratransit transit:

https://www.agingcare.com/search.aspx?searchterm=paratransit

https://www.agingcare.com/search.aspx?searchterm=point+to+point+transit
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