Getting Insurance Reimbursement For Your Compression Stockings

Patients who suffer from varicose veins or other venous disorders may be required to wear compression stockings as part of their treatment. Compression stockings can be expensive; however they may be covered by your medical coverage. When buying stockings online patients must pay for the stockings first then pursue reimbursement from the insurance company.

Not all insurance companies will cover compression stockings even when prescribed by a physician. However many will. An example is Medicare Plan B will not cover compression stockings but many Medicare Supplement plans will. Patients are sometimes intimated by these big insurance companies and simply will not pursue reimbursement. Obtaining reimbursement can be relatively simple. The key is to follow the insurance company’s rules. The following will help the patient obtain reimbursement for their compression stockings.

If you are a Veteran and have VA benefits who should contact your local Veterans’ Affairs office and inquire if they will cover the purchase of compression stockings. They will have their own set of rules that may include purchase from a registered contractor for the Federal Government. The Laser Vein is a registered contractor.

First, contact your insurance company before you buy any compression stockings. The phone number of the customer service department of your insurance company can be found of your insurance card. Each insurance company has their own set of rules for what they will cover. These rules may include certain compression levels they will cover (most will not cover compression stocking levels under 20-30 mmHg), how many pairs they will cover and weather a written prescription from your physician is required.

After obtaining this information, ask about the reimbursement process. Most insurance companies have a specific reimbursement form that the patient must complete. If you need some help with this contact your physician’s office for help. Obtain the reimbursement form as well as a list of required documents that are needed for reimbursement. These may include a receipt for the compression stockings and/or a written prescription from your physician. Confirm with your insurance if they will accept a copy of these documents or is the original is required. Either way always keep copies of all documents including the reimbursement form.

You are now ready to purchase your compression stockings. Be sure to buy the stockings that are required by your insurance company. If this happens to be different from your physician’s prescription contact your physician. They will often change their prescription to meet the insurance requirements. Always buy stockings at a reputable store or online web site. When buying online make sure the site has a contact phone number where you can call and ask questions or assure you will receive the proper receipt. Never buy from a web site that does not provide a contact phone number.

After the insurance formed is completed and required documentation is received send all to your insurance company at the address stated of the form. Remember always keep a copy. Mail your documents by U S Mail and require a signature confirmation (frequently these forms are never received by the insurance company) in order to confirm they received them. You will receive notice of either payment or denial within 30 days. If you are denied call the insurance company and ask to speak to a supervisor and ask why. Keep pursuing the insurance company until you are satisfied with the reimbursement you are due.

Step by Step: How to Get Insurance For Autism – California Law SB946

As of July 1, 2012, California law SB946 requires health insurance plans to cover applied behavior analysis (ABA) for patients who have pervasive developmental disorder or autism. The law also requires insurance companies to maintain an adequate network of ABA providers so that children with autism will have access to this necessary care. Under this new law, either Board Certified Behavior Analysts (BCBAs) or licensed clinicians with appropriate experience are allowed to design and supervise ABA programs. Furthermore, the law allows professionals and paraprofessionals to implement the behavioral treatment plan under the supervision of the BCBA or licensed clinician.

Here is a list of steps you can use to get insurance coverage for your child with autism:

1. Find Out if Your Insurance Plan Must Follow the New Law
First, find out if your insurance plan is mandated to follow this new law. Plans that are exempt from following this new law are self-funded plans, out-of-state plans, Healthy Families plans, and Medi-Cal plans. However, some self-funded plans offer ABA treatment for autism as a benefit for their employees. You should check with your human resources representative to find out. Also, if you only have a Healthy Families or Medi-Cal plan, you may contact your local California regional center about funding.

2. Get a Diagnosis
In order to receive insurance funded ABA services, your child will need to have a qualifying diagnosis. The law states that patient’s with pervasive developmental disorder (PDD) or autism qualify for treatment. If your child does not have a formal diagnosis, you will need to bring your child to a licensed clinician who can conduct an assessment and provide your formal diagnosis in a written report.

What is PDD? PDD includes Autistic Disorder, Asperger’s Disorder, Rett’s Disorder, Childhood Disintegrative Disorder, and PDD-NOS.

3. Get a Prescription for ABA
The next step in getting insurance coverage for your child with autism spectrum disorder is to get a prescription for ABA from your child’s physician or licensed psychologist. You will likely need to give a copy of your child’s diagnostic report your child’s physician or licensed psychologist so that he/she is aware that your child qualifies for this medically necessary treatment.

4. Verify Benefits
Then, you will need to verify the benefits offered by your child’s health insurance plan. This can be done by submitting your child’s prescription to your health insurance plan and then contacting their autism team or their general customer service center to find out if your child’s plan covers ABA. You can also ask an ABA treatment provider to verify your child’s benefits for you, which they can do if you provide them with your child’s health information.

5. Select an ABA Provider
Once you know your child has ABA benefits then ask your health insurance company for a directory of in-network ABA Providers who can provide the necessary ABA services for your child. You can call and interview the ABA providers listed until you find one that fits your child’s needs. Remember, in most cases, ABA services are delivered in your child’s home or community so the location of the ABA provider may not be a very important. If your child already has an ABA provider, then you will need to find-out if they are in-network with your child’s health insurance plan. You may need to request that your ABA provider join the network if they have not yet done so. In some cases, such as when there is not an in-network provider within 30 miles of your home, then you may be able to use an out-of-network provider.

6. Have Provider Conduct an Assessment & Design the Treatment Plan
If you are beginning ABA services for the first time, your ABA provider will need to assess your child in order to design a treatment plan. This assessment may include reviewing past reports, interviewing caregivers, observing your child, and/or testing your child’s skills. If your child has an existing ABA provider, they may be able to use current assessment information to design your child’s treatment plan. The treatment plan should describe your child’s behavioral health impairments and should include measurable goals, evidence-based interventions, and recommendations for service type, number of hours, and parent participation. Your provider may or may not have to get preauthorization to conduct the assessment, depending upon the requirements of your child’s plan.

7. Get Preauthorization for Treatment
Depending on the policies of your child’s health plan, your ABA provider may have to submit a variety of documents to the health insurance company to get pre-authorization for treatment to begin. For example, you may need to give your provider copies of your child’s diagnostic report, functional behavior assessment, standardized tests, IEP report, IFSP report, ABA treatment plan, and progress reports from prior ABA treatment to include in the submission. Your ABA provider will submit requested documents to the health plan in order to get treatment authorization.

8. Begin Services!
Once your ABA provider receives written pre-authorization from the health insurance plan then treatment may begin. You will likely have a meeting with your child’s assigned ABA supervisor to review and consent to the treatment plan and other policies. Once paperwork has been completed, then your child’s supervisor will likely bring a treatment plan data collection binder to your home and start training the professional and paraprofessional staff how to accurately
implement your child’s treatment plan.

We hope this list will help you to make your way efficiently through the process in order to get your child insurance funding for behavioral health treatment.

Behavior Frontiers is dedicated to helping families successfully navigate the process of the new California health insurance mandate for autism!

If Your Car is on This List, Consider Getting Insurance Immediately!

Some cars are more attractive than other, some cars are more valuable than others, and some cars are easier to steal than others. Those are the top three factors that make cars attractive to thieves’ eyes. In this article, I’ve listed the latest and the top 8 most stolen cars today.

The first one on the list is the Honda Accord with an average of 55,000 units stolen per year. The second is Honda Civic with 48,000 units reported to be stolen. The third is the Toyota Camry with 26,000 units car napped per year.

Fourth on the list is the Ford F-150 pickup with 17,500 units stolen per year. The fifth is Dodge Ram with an approximate of 17,500 units stolen per year. The sixth one is the Dodge Caravan with 15,600 units stolen on the average per year. The seventh with 14,500 units reported missing is the Jeep Cherokee. Last but not the least is the Acura Integra with an average of 12,100 units car napped per year.

You might be wondering why some cars on the list are more targeted than other even if they do not cost as much as the more expensive cars. First is the number of the same type of cars on the road. If the car is seldom seen on the road, there is very little chance that it can be car napped. Also, car-nappers don’t usually target the rare cars because that will make their cars stand out if they were to drive it down the road. The last thing that they’d like to have is unwanted attention. So, to blend in pretty well, they usually go for the most common type of cars.

How Do I Get Insurance For Jewelry?

When deciding upon whether or not to insure a particular piece of jewelry, the amount of whatever it is worth should be known or found out. Sentimental value cannot be bought with money, nor is money lost on sentimental value alone, so deciding on how much it is liked should not be a factor when considering insurance. Only the amount the piece of jewelry is actually worth should be the factor when deciding how much insurance should be taken out on it. So, if the unforeseen circumstance arrives that the piece of jewelry needs to be replaced, it should only be insured up to what the actual monetary value is of that particular piece of jewelry.

The whole purpose of insuring jewelry is not to gratify our sentimental loss, cause there is not a price tag in the world that can bring that back. The whole purpose of insuring jewelry is to enable one to replace the lost piece of jewelry with either an exact replica or another piece of jewelry of similar worth without having to fork out the entire payment yet again for what the jewelry is worth all due to misfortune.

Be sure to know your home insurance policies before insuring jewelry! You may be paying extra already in your home insurance to cover additional coverages such as jewelry in the home! Also, when you insure jewelry, be sure to know allof the clauses! For example, many times there is a list of under what circumstances the piece of jewelry will be insured for and what it won’t. Same goes for your home insurance as well if it covers jewelry. For example, maybe you have it insured if you lose it, but not if you ruin it, or vice-versa. If it is important enough to insure, then it is important enough to insure it for all possible casualties pertaining to the piece of jewelry that may or could arise.

Some very important questions to ask when insuring jewelry is if you change your mind on the amount you want to insure it for, what are the policies regarding that, and the time frame you have to make such changes. Another important question is what the company’s best deal is for insuring. For example, you may have a ring that is worth eight thousand dollars, but if the insurance rate to insure for five thousand dollars is a much better deal than to insure for the entire eight thousand dollars, it may be wise to only insure for the five, especially if it would be easy for you to fork out the remaining three thousand should something happen. It would not be wise, however, to insure it for something way WAY more than it is worth, cause then if something did happen and you needed to use your insurance, it would look like insurance fraud.

Another important question to ask is if your home owners insurance already covers jewelry, how much does it cover and under what circumstances will it cover it for? You can take that amount and subtract it from the rest of the needed amount when trying to decide how much to insure a piece of jewelry for.

After you insure it is very wise to keep such important documents in fire proof boxes since companies get changed and bought out all the time so they may not even have record of your insurance purchase, or they may not look adequately enough to find it and so may claim they have no record. Bottom line is never rely on someone else to look up and verify your insurance purchase. Always be prepared. And always have it in writing and signed, and stamped if possible.

No matter what you are insuring, it is always wise to make sure you have the best deal, make sure everything that you need coverage for is covered, and make sure you are not double paying through two separate insurances! You can get insurance quotes online at