Dealing with insurance companies can often be overwhelming and frustrating process. Planning ahead of time can be sure to get all the benefits you deserve with minimal delay. Important areas to consider:
1 Pre-Approval
Some plans require pre-approval. This can also call your insurance company and ask if they carried a crutch alternative coverage. They are (pronounced "Photo HIK") may ask HCPCS code. The generic code is an alternative to crutches"E0118". You can also request a code of diagnosis or procedure code. You can contact your doctor, as it is specific to your condition.
If the insurance does not cover the device, be sure to ask what percentage is covered, and if you are bound to them by an in-network providers?
2 More Options
Like all rules there are exceptions, so make sure you note the following:
- If none of the in-system operators have the option crutchIt is necessary, you may be able to request an exception so that your insurance out of network.
- If you have an account Flex spending, which may qualify as medical expenses crutch alternatives. Some flex accounts, enter a Visa / MasterCard debit card that can be used.
- If you itemize your deductions on your taxes, you may be able to deduct the lease / purchase your crutch alternative medical expenses (consult your tax advisor for guidance).
- When a crutchAlternatively, you can return to work, your employer can pay the rent / purchase.
- If you are willing to pay from his own pocket for an alternative crutch, because you can not imagine another day on crutches, are often the effort is worth the freedom and mobility you win. Especially when you heal faster, because they are compatible with the doctor or because you can continue working.
3 Complaints
Fill in the form of insurance in general, you can find online or sentfrom your insurer. Be sure to include a copy:
1 Receipt of purchase
Your recipe 2
3 complete a Letter of medical necessity signed by the doctor
This may be redundant, but if both are not submitted, the request can be immediately denied. If you rent, you can wait until you have returned the product and the final charges were made. In this way, we will present only once. Make copies of everything you submit to your insurancejust in case, you must re-submit!
4 Follow-up
So that nothing is late, you can follow with a phone call to confirm that the complaint has been received, and there is nothing more needed.
5 Appeals
If your insurance denies the claim, you have the right to appeal. You can make a complaint and / or your HR contact at work call the insurance company on your behalf. Notes or documentation can be very useful at this point. At each stage,Document, whether you have spoken, and what they talked about. It is much easier to talk more and affective relationship with the facts.
0 comments:
Post a Comment