Living with a disability brings a variety of physical and financial challenges. Thankfully, assistive devices such as power wheelchairs provide individuals with greater mobility and independence. However, navigating the complexities of insurance coverage, such as convincing Blue Cross to pay for a power wheelchair, can be overwhelming. In this blog, we’ll discuss some effective strategies to help you get the coverage you deserve.
1. Know your insurance policy:
The first step in getting power wheelchair insurance is to take a close look at your Blue Cross policy. Become familiar with the specific criteria they require to approve such a claim. Determine if a power wheelchair is considered durable medical equipment (DME) or if additional documentation is required (such as a Certificate of Medical Necessity). This knowledge will enable you to structure your claim accordingly.
2. Talk to your healthcare provider:
Your healthcare provider plays a vital role in the process of obtaining power wheelchair insurance. Make an appointment with your doctor or therapist to discuss your limitations and mobility needs. Ask them to assess your condition and provide a thorough, detailed assessment that supports the need for a power wheelchair. This assessment will serve as strong evidence when you file a claim.
3. Gather supporting documents:
In addition to your health care provider’s evaluation, please gather any other relevant documentation to make a compelling case to Blue Cross. This may include medical records, prescriptions, X-ray results, or any other information demonstrating the medical necessity of a power wheelchair. Try to give an overall view of your situation to strengthen your case.
4. Draft a persuasive medical necessity letter:
As stated previously, Blue Cross may require a Certificate of Medical Necessity. This letter should be drafted by your healthcare provider and should specify your mobility limitations, the medical reasons for recommending a power wheelchair, and its positive impact on your daily life. The document should be clear, concise and persuasive in order to convince the insurance company of the need to cover your wheelchair.
5. Follow Blue Cross procedures:
Each insurance company has its own procedures and requirements. It is important to follow Blue Cross’ procedures carefully to ensure the best chance of approval. Make sure to fill out all required forms accurately, including all supporting documentation, and submit your claim within the designated timeframe. Remember to keep copies of all documents and correspondence related to your claim.
Obtaining power wheelchair insurance from Blue Cross may seem like a daunting task, but with the right approach, it is possible. Understanding your insurance policy, consulting with your health care provider, gathering supporting documentation, drafting a persuasive medical necessity letter, and following Blue Cross’ procedures are key steps to success. Remember, persistence and determination are crucial during this process, and don’t hesitate to seek help from a disability advocacy organization if you need it. You deserve the freedom and independence that a power wheelchair provides, and with these strategies, you can increase your chances of getting the coverage you deserve.
Post time: Oct-30-2023