Generally it works this way: your doctor puts an order in for a commode, wheelchair, or hospital bed. We contact a vendor for delivery. Insurance pays for it 100{d0e74b8a3596e4326b45924d39792f257a1f9983beed4201831d386befd3d18e}. Even Medicare.
If you lose your wheelchair, you are out of luck for any sort of reimbursement from insurance or Medicare. That being said, you might consider tapping a family member to pitch in or ask the facility if they have any extras. A majority of this type of equipment is rented, so it is possible the facility has extras.