We understand your desire to make the best and most informed buying decisions. That is why our trained staff members are committed listeners who will give you all the time you need and never pressure you to buy. We know all our products and offer various selections to suit all styles and preferences. While we are a self-pay medical supply company. This means you have the flexibility to get exactly what you need without insurance restrictions; customers often have questions about our self-pay policy. Continue reading for 5 Reasons Self- Pay May Be Better for You:
Privacy is vital to many customers. Organizations that accept insurance are yet one more level of collection of private data that, while protected by HIPAA, is also one more possible avenue of a data breach.
There is also the issue of data security from hackers. Most medical vendors have excellent data security, but all it takes is one weak link. The more your data is out there, the greater the chances it will end up sitting on a server that gets hacked.
- Pre-Approval Waits and Obstacles
The more expensive a piece of equipment is, the more likely the insurance company will require pre-approval. Often, unless your doctor gets on the phone and fights for you, the insurance company will only accept lower-cost treatment options.
You should try other treatment options first. Or only a portion of the needed equipment or service gets covered. In other cases, the insurance company will make you jump through hoops to get pre-approval.
Self-pay avoids that wait and aggravation. You can have the equipment or services you need to be done immediately versus waiting hours or even days for approval.
- Coverage Limits
Insurance companies are infamous for delaying paying for vital medical equipment and supplies under the umbrella of “is it necessary.” The best way to avoid that is to cut the insurance company out at the purchase point.
That way, if you pursue reimbursement, you are not held hostage by some worker bee who is “just following company policy.” You also can follow up on the repayment on your own time, rather than being denied and scrambling for something similar that works and is covered.
- More and Better Choices
Many insurance companies have a list of approved products and services; deviating from that list means a mountain of paperwork and seemingly endless phone calls. Even then, what you want still might still need to be approved.
With self-pay, you can get the medical equipment and services you need, regardless of whether the equipment or manufacturer is approved. You then can tackle the insurance mess on your own time.
- Ease of Use and Control
Self-pay makes it easier to get what you want or need when you want or need it. There are no waits because of insurance. The red tape is removed.
There are also financing options available if you need them. You can pay on your own time and terms and cut insurance out altogether. This is particularly convenient if you have extremely high deductibles.
Talk with one of our professional staff today if you are in the market for medical equipment, parts, or services. We invite you to our spacious showrooms to shop our selections!