There are 2 TYPES of Health Insurance Coverage in the United States
Commercial Insurance Coverage
Medical Insurance Coverage provided through an Employer for people that are currently working. This type of Coverage may also cover your immediate family including a spouse and children.
Governmental Insurance Coverage
Insurance Coverage provided through a federally funded employer: Medicare, Medicaid, Obamacare (ACA), Federal or State Employer, Military, Police, Fire, Public Schools, and Hospitals.
Contact our Insurance Department at 512-817-FOLD (3653), press option 4
These TYPES of health insurances control the amount of coverage, and your ability to get the medical equipment that you want. Coverage through a governmental policy, is very different from coverage that is provided through a commercial policy. This means that even if your card has a commercial health insurance company name listed on it (Humana, Aetna, United, Blue Cross Blue Shield, Cigna, Kaiser, etc.), the coverage can still be governmental. It is important to know the TYPE of health insurance you have, before you decide on the METHOD of insurance payment that you want to use.
We offer 2 METHODS of insurance payments to get one of our electric wheelchairs. These methods are Insurance Claims, and Medical Reimbursement. An insurance claim is a bill that is sent electronically to your insurance by us, and once we receive payment from your insurance, plus your copayment or deductible, we will ship the product to your doorstep. Medical Reimbursement is when you pay in full for the chair, it is then shipped to your doorstep, and then you file a reimbursement claim with your insurance, and your insurance reimburses you directly for this purchase. Your coverage for either of these methods, is based on your TYPE of coverage, deductibles, medical necessity, network availability, doctor cooperation, and where you live. As a durable medical equipment company, we do not control this coverage or how quickly your insurance company responds.
Should you need assistance with determining your TYPE of coverage, or the METHOD of insurance payment you want to use, we recommend calling one of our Insurance Representatives at 512-817-3653, option 4. They are available Monday-Friday, 9am-5pm, CST.
Calling your insurance to get assistance with this decision, can be very confusing and frustrating, since you talk to different people each time you call, and they can give you conflicting answers. As people that are disabled ourselves, we can walk you through your insurance options to help you make the best decision for your personal situation.
Patient Financial Responsibility Insurance Disclaimer:
The Patient’s health insurance company or governmental program policy determines the covered amount available due to the Patient’s policy limitations, and their medical necessity that is determined by the Patient’s Physician. Not all insurance policies are the same, and not all approvals are for the medical durable equipment that FOLD & GO WHEELCHAIRS® provides. Any medical equipment costs not covered by the Patient’s insurance are the responsibility of the Patient, and not the responsibility of FOLD & GO WHEELCHAIRS®. This includes ANY co-pays, deductibles, and non-covered portions. If any uncovered amounts are above and beyond the costs deemed allowable by any insurance or governmental standards or guidelines, the patient accepts full responsibility to cover these overages and FOLD & GO WHEELCHAIRS® cannot be held liable for these pricing differences. All FOLD & GO WHEELCHAIRS® prices are listed upfront and in full view of anyone looking at the website. All FOLD & GO WHEELCHAIRS® pricing is within the industry standards for lightweight, foldable, weatherproof, electric wheelchairs, and may not adhere to the outdated governmental or insurance standards for actual product costs.
