We have BCBS and we haven't paid more than maybe $500 for my son's wheelchair. He's in his second power chair now and is 17. It cost well over 23,000 but I don't know off the top of my head how much. I suggest you order new chairs near the end of the year when you will have likely met a good portion, if not all, of your insurances deductible/out of pocket expenses. Get a cost estimate from your provider too. That way, if needed, they may be able to roll some of the costs, if not covered in one year, into the next year. We've not had to do that. I usually place medical equipment orders in October and so fat that has worked for us. By then we've met the out-of-pocket and it's covered at the highest rate and MDA's measly bit has covered the rest.