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Tag Archive for Knee Walker Insurance Coverage

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How to Get the Knee Scooter Insurance Coverage You Need

In an ideal world, knee scooter insurance coverage would be incredibly simple to approach. You’d simply need to collect your knee scooter, submit a photo of yourself waving and smiling happily on your knee walker, and your insurance company would respond with a big thumbs-up and a completely covered bill.

Of course, knee scooter insurance coverage doesn’t exactly happen this way. And while it may be fun to dream about an insurance company who’s desperate to make you happy (Zero co-payments! Free prescriptions! Birthday cards!), there’s no denying that operating within the realm of reality means playing a little tug-of-war.

Or does it?

When it comes down to it, there are two options you can use to get the knee scooter insurance coverage you need. You could call the insurance company, cry, yell, and harass them until an exasperated insurance agent finally gives you the information you need…

Or you could use these knee scooter insurance coverage techniques:

Get out your insurance policy and look for a special insurance code known as HCPCs Code E0116, which essentially dictates how your insurance company will handle paying for crutch alternatives with or without wheels. This code should outline the percentage of coverage, as well as additional caveats. For example, you may discover that the insurance company will only pay for a knee walker rental if it comes from an approved provider. When you call be sure to ask if you have out of network benefits, a deductible or co-pay.

Have your doctor sign a Letter of Medical Necessity, which lets the insurance company know that you need a knee scooter to stay mobile. You may also need to provide a prescription to your insurance company. All of this information can help prove to your providers that you have an absolute need for knee scooter insurance coverage.

Some knee walker rental companies provide you with the Letter of Medical Necessity for your doctor to sign. This can make it very easy to get your knee walker as quickly as possible – and that’s always a benefit when you can barely hobble after your foot or ankle surgery.

If you’re renting a knee scooter, get the company to provide you with a detailed invoice that contains billing codes. This can provide your insurance company with the information they need to determine how much they’re going to cover.

Submit your claims at the end of your treatment, as this can help ensure that your insurance company receives all the documentation they need.

Keep copies of all of your paperwork. If you don’t have a scanner in your home, have a family member or coworker make scans for you at the office or the public library. This can make it easier for you to re-submit any information your insurance company needs, especially if they claim that they’ve lost valuable paperwork.

Remember that you’ll be dealing with your insurance company throughout the course of your treatment. If you follow this checklist, you can ensure that getting knee scooter insurance coverage is a lot easier than you originally anticipated.

Category: Crutch Alternatives, Insurance, Insurance Coverage, Insurance Information, Insurance Lingo, Knee Walker Central Insurance Coverage, Knee Walkers | Tags: , , , , , , , , , , , , ,
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Will Insurance Cover My Knee Scooter?

Admit it: you’re in love with the idea of a knee scooter. Whether you’re suffering from a foot injury or recovering from an ankle surgery, you love that a knee scooter can help you move around your home or office without the hassle or embarrassment of using crutches. Plus, you just know you’ll be the talk of the town with your brand-new knee scooter.

But before you hop on your new ride, you have one big question that needs to be addressed:

“Will insurance cover my knee scooter?”

 

If you want crystal-clear answers, then sorry: insurance policies vary, and some insurance companies will cover a knee scooter, while others won’t. However, there is a process involved in determining if insurance covers your knee scooter – and following it right down to the letter might make all the difference in having your insurance company cover it for you.

Here at Knee Walker Central, we’ve outlined what the process looks like:

  • Check with your insurance company to see if they cover it. If they do, end of story. If they need more information from you, proceed to the next step.
  • Get a prescription or a medical letter from your doctor indicating that you need a knee scooter. Oftentimes, your doctor will be more than happy to write you a prescription or letter if you indicate why it’s necessary to your health. Let your doctor know that you need the increased mobility that only a knee walker can give you. A little guilt trip can work wonders here!
  • Submit this letter, along with the paid invoice from Knee Walker Central, to your insurance.

If your insurance won’t provide coverage, you may be able to use your Flex savings or other health account to pay for the knee walker. Just make sure your card has a major credit card logo on it, and you should be fine.

Here at Knee Walker Central, we will work with your insurance company to help you get a knee scooter. Besides, you’ve got other things to worry about: like making sure that your foot or ankle heals properly!

Category: Insurance, Insurance Coverage, Insurance Information, Insurance Lingo, knee walker, Knee Walker Central Insurance Coverage | Tags: , , , ,
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Knee Walker Insurance Coverage Essential Lingo

If you need a knee walker, you would probably want to check and see if your insurance carrier can help with coverage. You may think it will be as easy as picking up the phone and dialing your provider, but you may find that there is some confusing language involved. This is why it helps to speak the essential medical lingo. Once you understand the terminology, you can understand exactly what your insurance representative is saying, instead of scratching your head and wondering if you need a master’s degree in health administration to get a grip of the information.

With this is mind, here’s the essential lingo you need to know to determine if your insurance can cover your knee walker:

  • Deductible: This is the fixed amount of money that you’ll need to pay before your insurance will reimburse your expenses. Your deductible may apply to your knee walker purchase, so double-check to see what your deductible may be.
  • Co-Insurance: This is the amount of money you’ll have to pay after you’ve met the deductible. If you have a zero or low deductible, this will be immediately enacted.
  • Co-Pay: This is the amount of money that you’ll need to pay for a service that your insurance will partially cover. This usually applies to seeing specialists, getting prescriptions, and going to the hospital. You may also discover that your knee walker will require a co-pay, so be sure to ask an insurance representative what your co-pay would be.
  • Out of Pocket: This is the amount of money that you’ll be required to pay each year before your insurance will cover your health care services.

Once you can speak the insurance lingo, you may be delighted it takes no time to discover that your knee walker may be covered by your health insurance.

Category: Insurance Coverage, knee walker | Tags: , , , ,