Did you know that your Back Brace or Back Support is covered by your health insurance company? Yes that’s right your insurance company will cover the purchase of back support, now your insurance company will only cover back supports that have a HCPCS code pronounced “hicks-picks”. What is a HCPCS code you ask, an HCPCS code is used by Medicare and Medicaid to identify products that are covered under Medicares (DMEPOS) statue.
Now if you are interested in one of those TV info commercial back braces like Tommie Cooper or Cooper Fit I’am sorry to tell you your insurance will not cover the purchase of those back braces for the simply reason that they do not have a HCPCS code and most likely will never be issued one. But if you are interested in a Medical grade back brace like the Aspen Horizon 637 or DDS 500 then your in luck your insurance will cover the purchase of these back supports*
What Insurance Companies Will Cover The Purchase Of a Back Brace?
Now every insurance company is different so this is a very broad question and I do recommend you contact your specific insurance provider just to make sure your back support will be covered, but from my professional experience most insurance companies will cover your back brace or support.
The Following Insurances Do Cover Back Support’s
- Medicare,
- Florida Medicaid
- UHC
- Anthem,
- Cigna
- Aetna
- BCBS
Will I Have Any Out Of Pocket Expense for my Back Support?
This depends on your individual insurance policy. Not all insurance policy’s are created equal and there are a couple things for you to look out in order to figure out exactly how much you would have to pay out of pocket if anything.
The first thing is to check to see if you insurance policy has a deductible and how much it is. If you have a high deductible insurance policy they in most instances your insurance will not cover your back brace and you will have to purchase the entire back support out of pocket, unless you have already used up your deductible.
The second thing to look at is if you have a Coinsurance. If you have a coinsurance which is usually an 80%/20% split which means your insurance company will cover 80% of the cost of your back brace with you being responsible for the remaining 20%. For example if the reimbursable rate for your back brace is $769.00 your insurance would cover $615.20 and you would be responsible for the remaining $153.80. Now the reimbursable rate is set by each individual insurance company and will vary from state to state so remember this is just an example and not your actual cost.
Lastly if you have a Medicaid insurance policy you will have no out of pocket cost.
What Documents Do I Need To Get My Back Support Covered By My Insurance?
In order to get your back brace or support covered by your insurance you will need the following documents.
- Prescription from your physician
- Signed Letter of Medical Necessity
- Documentation of necessity in your health records, medical records, or medical charts.
Can CSA Medical Supply Bill My Insurance For Me?
Yes, but this does depend upon your insurance we are currently not able to bill customers with an HMO (Health Maintenance Organization) insurance plan. But we are able to bill Medicare, Florida Medicaid, and many private insurances for our customers. By allowing us to bill your insurance upon your behalf you are assured that we will collect all the proper documentation and work with your physician and insurance company in order to get your back support covered. If you are interested in having CSA Medical Supply bill your insurance upon your behalf please call us at (855) 272-6335 and speak to one of our insurance specialists today.
