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The Billing Process

Private health insurance plans pay for a large portion or even all of many types of medical equipment used in the home. This type of equipment is referred to as durable medical equipment or home medical equipment. Most health insurance plans have similar rules to Medicare, but you should know that all private health insurance plans vary and the specific rules of your plan may differ from these Medicare guidelines. We accept most of the major health insurance plans.

We work very hard to make sure the home medical equipment ordered by your doctor is covered prior to your setup.

We work very hard to make sure the home medical equipment ordered by your doctor is covered prior to your setup. We will also explain to you what your out of pocket costs should be. Almost every insurance plan has a deductible as well as your co-pay. Your deductible is the dollar amount you must pay each year BEFORE your insurance company starts paying for your equipment. They usually run between $500 and $2500 each calendar year. Your insurance company and your employer determine the amount. At times the insurance covers the equipment with only a co-pay. Other times it goes against your deductible that must be met every year by you.

In addition to your deductible, some plans have a co-pay ranging from 10%-30% you will be responsible for. We verify that information up front but feel free to contact your insurance company to ask them what the deductible and co-pay are for your plan for your home medical equipment. We would be happy to work with you and your insurance company to help you understand how your plan works as it relates to home medical equipment needed by you or a loved one.

After we bill your insurance you will receive an EOB (Explanation of Benefits) from them describing what home medical equipment was billed, the billed amount (what we charge) and the contracted amount (what they pay). We do not set the amount your insurance pays, they do. You will then receive a bill from us for any deductible that has not been met for the year as well as your co-pay amount.

We cannot write off your deductible or co-pay without documented financial hardship. If that is the case please contact us and one of our accounts receivable specialists in our billing department will be happy to work with you. If you have any questions about this process please don't hesitate to contact us at either of our offices.



Enrolled in Medicare?

Both Medicare and private health insurance plans pay for a large portion or even all of many types of medical equipment used in the home. This type of equipment is referred to as "durable medical equipment" or "home medical equipment".


Click here to read our free guide to understanding the Medicare guidelines related to home medical equipment.

We accept the following insurance plans


  • AARP
  • Accountable Health Plan
  • Aetna (All Plans)
  • Aetna Medicare HMO
  • Admar/Med Network
  • Arkansas MCO
  • American Medical Security
  • Ameriben
  • Arizona Benefit Options
  • ASU/Recovery Unlimited
  • Bashas Benefit Trust
  • BCE Emergis
  • BCBS (all states/all plans)
  • Beech Street
  • Benefit Panel Services
  • Broadspire
  • CARECENTRIX
  • Carpenters Health & Welfare
  • CBCA, Inc
  • Celtic Life
  • CHC Cares of S.C.
  • CHN Providers
  • CMDP
  • Cofinity Healthcare (Aetna)
  • Compcare Network
  • Companion Group
  • Cerulean
  • CompResults
  • Deseret Mutual Insurance
  • Devon Health Services
  • EK Health Services
  • Encore Unlimited
  • Erie Insurance
  • Evolutions Healthcare
  • First All-America
  • First Choice
  • First Health
  • Focus
  • Fremont Comp
  • Galaxy Health
  • GENEX Services
  • Global Excel
  • GreatWest Healthcare
  • Guardian
  • Highlands Wellmont
  • HFN, Inc.
  • Health Alliance
  • Health Coalition Partners
  • Health Choice of Alabama
  • HealthEOS by Multiplan
  • Health Care Group
  • Healthsmart Preferred Care
  • Homelink
  • Industry Buying Group
  • Integrated Health Plan
  • Interplan
  • Intercare Network
  • IntergroupIntergroup Health Plan
  • Interplan Health Group
  • Indian Health Services
  • Keenan and Associates
  • Liberty Mutual
  • Liberty Northwest
  • Mailhandlers
  • Maricopa Care Advantage (AHCCCS)
  • Maricopa Health Plan (AHCCCS)
  • Meadowbrook Ins. Group
  • Med-Corp Southwest
  • Medical Resources in PA
  • Medicare
  • Mercy Care - RTA
  • Mercy Care Advantage - RTA
  • Mercy Maricopa Integ Care - RTA
  • Montana State Fund
  • Medicare
  • Railroad Medicare
  • MMSI/BCBS
  • Multiplan Network
  • National Healthcare Alliance
  • National Preferred Provider
  • New Health Care Mgmt Group
  • NovaNet
  • Pacific Health Alliance
  • Paradigm Management
  • PCS
  • PHCS
  • Pinnacle Assurance
  • PPO Next
  • Prime Health Services
  • PrimeNet
  • ProAmerica Managed Care
  • Quality Health Management
  • Scottsdale Emp. Healthcare
  • Select Care/Medica
  • SelectNet Plus
  • Secure Horizons Direct PPO
  • Sterling Options 1
  • Three Rivers Provider Network
  • Texas True Choice
  • TLC Advantage
  • The Colorado Network
  • Travelers
  • Tricare for Life (2ndary to Medicare)
  • Trustmark Health Resources
  • UHC (Except Empire)
  • UPH
  • University Physicians Care Adv
  • University Family Care
  • University Health Plan
  • UMR
  • USA MCO
  • Viant (Concentra)
  • Zurich - North America
  • 4 Most Health Network PPO
  • AARP
  • Advanced Benefit Solutions
  • Aetna
  • Ameriben
  • Ancillary Care Services (ACS)
  • Arizona Foundation for Medical Care (AzFMC)
  • Arizona Pipe Trades
  • Bankers Life and Casualty
  • BCBS AZ including TPAs
  • Beech Street
  • Champus
  • Coventry
  • First Health - NALC
  • First Health-Coventry
  • Gila River
  • Golden Rule - United Healthcare
  • Health Assurance
  • Kaiser Permanente - First Health
  • Local 290 Plumbers
  • Mail Handler's Benefit Plan
  • Medicare
  • MEGA LIFE - first health
  • Meritain
  • Meritus
  • Mountain States
  • Multiplan
  • NRECA - First Health
  • Oxford Health Plan- UHC
  • Physicians Mutual
  • Private Healthcare Systems (PHCS)
  • Robert F. Kennedy Medical Plan (First Health Network)
  • Southwest Services
  • Sterling Basic Plus
  • Sterling (Options 1-4)
  • Tufts
  • UFCW Northern Cal Health - PPONext
  • United Healthcare
  • United Medical Resources (UMR)
  • AARP
  • Advanced Benefit Solutions
  • Aetna
  • Ameriben
  • Ancillary Care Services (ACS)
  • Arizona Pipe Trades
  • Bankers Life and Casualty
  • BCBS AZ including TPAs
  • Beech Street
  • Cenpatico
  • Champus
  • Coventry
  • First Health - NALC
  • First Health-Coventry
  • Gila River
  • Golden Rule - United Healthcare
  • Health Assurance
  • Kaiser Permanente - First Health
  • Local 290 Plumbers
  • Mail Handler's Benefit Plan
  • MEGA LIFE
  • Mercy Care (RTA)
  • Mercy Care Advantage (RTA)
  • Meritain
  • Meritus
  • Mountain States
  • Multiplan
  • NRECA - First Health
  • Oxford Health
  • Physicians Mutual
  • Private Healthcare Systems (PHCS)
  • Robert F. Kennedy Medical Plan (First Health Network)
  • Southwest Services
  • Sterling Basic Plus
  • Tufts
  • UFCW Northern Cal Health - PPO
  • United Healthcare (UHC)
  • United Medical Resources (UMR)