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Medicare, Medicaid and Insurance: there are few topics that generate more questions from our customers. And it’s no wonder! Understanding coverage and eligibility for durable medical equipment is historically complex and confusing. In the last few years Medicare (federal program predominantly used for those 62+ in age), Medicaid state programs, and private insurance(such as United Anthem, Aetna, Cigna, etc…) have all significantly lowered their reimbursement amounts and increased the documentation requirements for most categories of durable medical equipment, including lift chairs, scooters, and Group 2 power wheelchairs (the type sold by SpinLife). This means that in over 95% of cases, mobility scooters, lift chairs and Group 2 power wheelchairs are not covered.
Because less than 5% of lift chairs, scooters, and power wheelchairs are covered through Medicare, Medicaid, and insurance, we found that filing claims resulted in unnecessary delays for our customers, with little chance of coverage. Therefore, SpinLife no longer files claims with Medicare, Medicaid or private insurance.
In cases where the items are eligible for coverage, you still have to jump through hoops in submitting information, get a pre-authorization, and wait 6 or more weeks for your equipment. In most of those cases, you are not able to select your own product but are limited to what your local equipment dealer chooses to stock.
At SpinLife, you pick the equipment you want, there is no prescription required, and there is no waiting for paperwork from a physician or for a prior authorization from Medicare. We recommend talking to a SpinLife Product Expert to find a product that meets your budget, and discussing our attractive financing options.
Also, please note: Medicare will not cover product if the beneficiary is in a nursing home, skilled nursing facility, home health facility or hospice facility. The facility is responsible for providing the necessary equipment. The beneficiary or their family can always choose to purchase their own equipment.
If you are interested in exploring if Medicare or private insurance will cover a product, here is information to help you better understand the process. You will need to locate and work with a local dealer in your area. SpinLife does not submit claims to Medicare, Medicaid, or private insurance, and you can not submit a claim on your own if you purchase your product from SpinLife. The following information is for informational purposes only.
Medicare Capped Rental
Medicare does not purchase most items directly, but rather rents them for the first 13 months. This is called Capped Rental. Capped Rental Items are items where Medicare will pay a monthly rental fee for a period not to exceed 13 months, after which the ownership of the equipment is transferred to the Medicare beneficiary and it is the beneficiary’s responsibility to arrange for any required equipment service or repair. Many of the items sold on SpinLife fall into this category. Examples of this type of equipment include manual wheelchairs, mobility scooters, power wheelchairs, hospital beds, alternating pressure pads, air-fluidized beds, nebulizers, suction pumps, continuous airway pressure (CPAP) devices, patient lifts and trapeze bars.
Items Inexpensive or Routinely Purchased items Notification
Inexpensive or routinely purchased items include Lift Chair seat lift mechanisms, canes, walkers, crutches, commode chairs, low pressure and positioning equalization pads, home blood glucose monitors, pneumatic compressors (lymphedema pumps), bed side rails, and traction equipment. These items can be purchased or rented, although the total amount paid for monthly rentals cannot exceed the fee schedule purchase amount.
Medicare assigns every product that is eligible for reimbursement what is called an "allowable amount". The allowable amount is the maximum amount that Medicare will consider as the total price of the item. The allowable amount for each item varies slightly by state. Medicare will reimburse a local dealer 80% of the allowable amount. The other 20%, or copay, remains your responsibility.
Here are allowable amounts for items commonly purchased on SpinLife:
Please note the following important information about Medicare reimbursement amounts:
Medicare covers power-operated vehicles (scooters), walkers, and wheelchairs as durable medical equipment (DME). Medicare helps cover DME if:
You pay 20% of the Medicare-approved amount after you pay your Medicare Part B deductible for the year. Medicare pays the other 80%. If you’re in a Medicare Advantage Plan (like an HMO or PPO), you must contact your plan to find out about costs and which DME suppliers you can use.
If you can’t use a cane or walker safely, but you have enough upper body strength or have someone who’s available to help, you may qualify for a manual wheelchair. The most appropriate manual wheelchair for you may have to be rented first, even if you eventually plan to buy it. 2 Types of equipment (continued)
If you can’t use a cane or walker, or can’t operate a manual wheelchair, you may qualify for a power-operated scooter, if you can safely get in and out of it and are strong enough to sit up and safely operate the controls. Note: If you don’t need a scooter on a long-term basis, you can rent the equipment to lower your costs. Talk to your supplier to find out more about this option.
If you can’t use a manual wheelchair in your home, or if you don’t qualify for a power-operated scooter because you aren’t strong enough to sit up or to work the scooter controls safely, you may qualify for a power wheelchair. Note: Before you get either a power wheelchair or scooter, you must have a face-to-face exam with your doctor. The doctor will review your needs and help you decide if you can safely operate the device. If so, the doctor will submit a written order telling Medicare why you need the device and that you’re able to operate it. Tips: You must have a medical need for Medicare to cover a power wheelchair or scooter. Medicare won’t cover this equipment if it’ll be used mainly for leisure or recreational activities, or if it’s only needed to move around outside your home.
Medicare only covers the seat-lift mechanism, but not the actual chair/furniture portion itself. The reimbursement amount is between $170-$250 depending on the state (view chart) in which the beneficiary is located if the coverage criteria are met. A lift chair is considered medically necessary if all of the following coverage criteria are met:
If you wish to pursue Medicare billing for your lift chair, please visit the Medicare website at www.medicare.com or call 1-800-MEDICARE.
For wheelchair cushions, the wheelchair for which the cushion will be used must already be on file with Medicare. Medicare requires the local dealer to submit the manufacturer, model, serial number and the date of purchase of the wheelchair on file.
The beneficiary must also either have a current pressure sore or have a previous history of a pressure sore on record due to the fact that Medicare will not cover any preventative items. Documentation of the pressure sore (staging, treatment, etc.) and positioning requirements must also be provided in the form of chart notes from your physician.
Please note: Effective May 1, 2013, in order to be eligible for Medicare reimbursement on any durable medical equipment purchase, your prescribing physician must:
If your prescribing physician does not have a valid NPI or PECOS enrollment, your claim will be denied. To view a list of physicians and non-physician practitioners who have a valid NPI and PECOS enrollment, you can visit this government website and download the PDF document titled Medicare Ordering and Referring File [PDF]. You can also contact your physician's office for this information.
SpinLife does not work with any state Medicaid programs.