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.
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