I agree Sue has some great questions to answer before making a purchase.
peronsally I have a Revo, and for me it's great. But I only use it at the theme parks, or if going on an all day trip that will require lots of walking or standing. In other words I don't use in my home or for day to day activities, i am able to use forearm crutch/es.
I really like my Revo, and just this week had a lift installed on my SUV.
Revo is made by Pride which normally make quality scooters. But there are also other brands that are just as high quality. research what is out there, see which ones will meet the needs and not just for present but like in a year or two.
On the insurance issue, check with your plan to see if they cover scooters, and if they do what requirements. Example, my insurance will not cover any
scooter as I don't need it in my home. Also they look at upper body and if can manage a manual wheelchair they go that route first. power chairs about the same. but this is my insurance company, they purchase the least possible.
good luck.