Top Five Tips for Submitting Insurance Reimbursement of a Crutch Alternative

!±8± Top Five Tips for Submitting Insurance Reimbursement of a Crutch Alternative

Dealing with insurance companies can often be an overwhelming and frustrating process. Planning ahead of time can ensure you get the full benefits you deserve with a minimum delay. Key areas to consider include:

1. Pre-Approval

Some plans require pre-approval. This can be done by calling your insurance company and asking if they cover crutch alternatives. They will most likely ask for the H.C.P.C.S. (pronounced "Hics Pics") code. The generic code of a crutch alternative is "E0118". They may also ask for the diagnosis code or the procedure code. You can get this from your health care provider as it is specific to your condition.

If your insurance does cover the device, make sure to ask what percentage is covered and if you are required to get it from an in-network provider?

2. Other Options

Like all rules there are exceptions, so make sure you find out about the following:

- If none of the in-network providers carry the crutch alternative you need, you might be able to request an exception from your insurance company to allow you to go out of network.

- If you have a Flex Spending Account, crutch alternatives DO qualify as a medical expense. Some Flex accounts issue a Visa/MasterCard debit card that can be used.

- If you itemize your deductions on your taxes, you may be able deduct the rental/purchase of your crutch alternative as a medical expense (consult your tax professional for advice).

- If a crutch alternative allows you to return to work, your employer may pay for the rental/purchase.

- If you are willing to pay out-of-pocket for a crutch alternative because you can not imagine another day on crutches, the expense is often worth the freedom and mobility you will gain. Especially if you can heal faster because you are compliant with doctor's orders or because you can continue working.

3. Claims

Complete the insurance form which can usually be found online or sent to you by your insurer. Be sure to include a copy of:

1. Paid receipt

2. Your prescription

3. a completed Letter of Medical Necessity signed by your Physician

This may seem redundant, but if both are not submitted, your claim may be immediately denied. If you are renting, you may want to wait until you have returned your product and the final charges have been made. This way you will only have to submit one time. Make copies of everything you submit to your insurance company, just in case you need to re-submit!

4. Follow-up

To ensure nothing gets delayed, you may want to follow-up with a phone call to confirm that your claim was received and there is nothing more needed.

5. Appeals

If your insurance company denies the claim, you have the right to appeal. You can re-submit your claim and/or have your HR contact at work call the insurance company on your behalf. Any notes or documentation may be very helpful at this point. At every stage, document who you talked with, when you talked, and about what. It is much easier and affective to appeal with facts.

Top Five Tips for Submitting Insurance Reimbursement of a Crutch Alternative

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Rolling Knee Walker Leg Ankle Foot Crutch Caddy Scooter

!±8± Rolling Knee Walker Leg Ankle Foot Crutch Caddy Scooter

Brand : Drive | Rate : | Price : $163.70
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RollerAid Knee Walker - What on Earth is a Rolleraid Knee Walker?

!±8± RollerAid Knee Walker - What on Earth is a Rolleraid Knee Walker?

Rolleraid knee walker...after I say these words most people look at me with strange looks on their faces. It's not everyday that you see somebody with a RollerAid or other rolleraid knee walker, so I don't blame them for being "confused" when I tell them the name.

Most of the time people say something like, "That's the coolest thing I've ever seen. Where did you find it?!"

I even have to let people take a spin on it before they leave me alone!

So what exactly is a knee walker and why has it helped me and thousands of others?

Well a knee walker or device is like a little knee scooter you put your knee on and you steer around as you push with your other leg. It is used for lower leg and foot injuries for people who are sick and tired of crutches.

In fact these little leg caddy type devices are very helpful and incredibly easy to use, but most people don't know about them. In fact even if you know about them there are only a couple places to rent or purchase one.

So if your doctor recommends a knee walker or RollerAid make sure to check one out. Most insurance companies will cover the cost to purchase or rent one and they can be found online and shipped anywhere in the United States.

Before choosing which device is right for you, you may want to do some research about how adjustable and mobile you need your knee walker to be. Some units steer (highly recommended) and some units don't (cheaper but less mobile and a pain in the rear).

So do some research and make sure to try one of these crazy new devices while you laugh at your crutches. I promise you will thank me!

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!±8± NOVA TKC-8 Knee Cruiser, Blue

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Post Date : Nov 18, 2011 23:00:34 | Usually ships in 24 hours

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• Excellent mobility device for foot or ankle injuries
• Suitable when the affected area can not bear weight or has limited weight bearing precautions
• It can be a great long or short term alternative to crutches or folding walkers
• Allows the user to maintain an active and more independent lifestyle which will help them progress to a quicker recovery

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Medline Medline Weil Knee Walker

!±8± Medline Medline Weil Knee Walker

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Post Date : Nov 14, 2011 23:42:15 | Usually ships in 24 hours

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This innovative walking aid provides a comfortable alternative to crutches and is ideal for below the knee injuries. The three wheel design turns for easy use at home or outside. A thicker padded seat offers comfort. Comes equiped with locking hand brakes and a large basket. Adjustable bench accommodates heights 4'10" to 6'4".

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