| HMO | Durable Medical Equipment (DME) |
| Aetna US Healthcare | Excludes: Braces, TENS (Transcutaneous Electrical Nerve Stimulation) units, traction apparatus, walkers, wheelchairs, special appliances, supplies or equipment and other DME. |
| Blue Cross Blue Shield | Covers: Equipment such as wheelchairs, braces, hospital beds, traction equipment, respiratory therapy and suction machines, prosthetic equipment, and other approved equipment. The repair or replacement of the equipment is provided if medically necessary.
Limits: BCBS will decide whether to buy or rent the equipment. Payments are limited per calendar year. Prior approval is required for purchases over a specified amount. Cost Sharing: Coinsurance applies. Coverage of customized DME: Not listed in Evidence of Coverage. Excludes: Eyeglasses, hearing aids, or "deluxe appliances." BCBS does not cover DME that are primarily for convenience purposes. If the equipment is determined to be no longer medically necessary, BCBS may ask it to be returned. |
| CIGNA / Healthsource | Covers: Durable medical equipment.
Limits: CHCNC reserves the right to determine whether rental or purchase is more appropriate. Repair and replacement of these items are covered with prior authorization when requested by a participating provider. Maximum benefit applies. Cost Sharing: Copayment applies. Coverage of customized DME: Not listed in Evidence of Coverage. Excludes: Non-durable goods for use with a durable medical equipment item; repair or replacements when due to misuse or loss. |
| Doctors Health Plan | Covers: DME, including repair and replacement.
Limits: Must be requested by participating provider and approved in advance by the plan. Doctors reserves the right to determine whether rental or purchase is more appropriate. Must be provided by participating provider or facility unless there is no participating provider available. Excludes: Repairs and replacement if needed because of misuse or loss. |
| Generations | Covers: Rental or purchase of durable medical equipment, whichever is less expensive.
Limits: DME must be requested by the PCP and authorized in advance by Generations. Customized DME covered with prior authorization from Generations. Excludes: Deluxe versions of durable medical equipment or prosthetic devices will not be covered unless medically necessary. Also excludes non-medically necessary appliances. |
| Optimum Choice | Covers: DME such as oxygen, oxygen equipment, wheelchairs, diabetic equipment, and other medically necessary equipment for use in the members home.
Limits: OCCI reserves the right to determine rental, purchase, or repair of DME. Coverage for home oxygen must be:
Cost Sharing: 50% coinsurance for all DME. This payment is waived if the DME eliminates a hospital admission. |
| PARTNERS | Covers: Selected, medically necessary DME. Covers maintenance, repair and replacement (due to physical changes in member) and other reasons, such as wear and tear.
Limits: DME must be prescribed and arranged by PCP and authorized in advance by plan. Partners maintains a list of covered DME and the conditions under which they are covered. Partners reserves right to select source from which DME is purchased or leased, as well as the model or style. Benefits limited for the following: $1,200 for manual wheelchair; $3,000 for motorized wheelchair. Excludes: Replacement of lost, stolen, or improperly used equipment. Cost Sharing: Coinsurance applies to most DME, except wheelchairs. |
| Coventry/Principal Health Care of the Carolinas | Covers: DME if it is primarily used to serve a medical purpose, can withstand repeated use, is appropriate for use in a members home and is on our durable medical equipment reference list.
Limits: The combined total maximum benefit is limited to $1,000 per member per calendar year. Excludes: DME that does not serve a medical purpose, cannot be used in a members home, and is generally not useful to a person without illness, injury or disease. |
| QualChoice | Covers: Crutches, apnea monitor, glucometer, oxygen and oxygen equipment, orthopedic braces, wheelchairs, special hospital type beds, home dialysis equipment and other non-disposable equipment that is primarily used to treat a medical condition. Selected DME requires preauthorization by your physician.
Limits: DME must be ordered by a physician and provided by a physician supplier or pharmacy. Qual Choice will determine whether the equipment will be rented or purchased. Cost Sharing: Cost Sharing may apply. The maximum payment is the purchase price of the equipment. Excludes: Air conditioners, humidifiers, dehumidifiers, air purifiers and exercise equipment. |
| The Wellness Plan of North Carolina, Inc. | Covers: Durable medical equipment, if medically necessary and provided through an approved provider. Normal wear and tear replacement only after 24 months of use. Motorized wheelchairs covered for quadriplegics only.
Excludes: All other durable medical equipment, including batteries and hearing aids, loss, theft and wear and tear before 24 months of use. |
| United HealthCare | Covers: Durable medical equipment ordered and supplied by a participating provider or vendor for use other than in the hospital. Includes such items as wheelchairs, hospital beds, glucometers, and oxygen.
Limits: Prior approval required for any items costing more than $500. Cost Sharing: Copayments may apply. Excludes: Repair, replacement and duplicates except when a child outgrows the equipment. Also excludes equipment considered a personal comfort item (such as air conditioners, humidifiers, dehumidifiers, or special vacuum cleaners). |
| WellPath | Excluded unless purchased separately through a supplemental policy. Most groups purchase the DME rider.
Supplemental policy covers: The rental or purchase of standard durable medical equipment, such as non-motorized wheelchairs, crutches and canes, leg or back braces, traction equipment, oxygen equipment, or hospital beds. Limits: DME must be prescribed by a participating provider and approved in advance by WellPath. The decision to rent or purchase covered equipment is at the discretion of WellPath. Purchased equipment is the property of WellPath and must be returned to WellPath when the equipment is no longer medically necessary or the members coverage terminates under the plan. WellPath covers maintenance, repair and replacement unless due to members inappropriate use of such equipment. Excludes: Comfort or convenience items, bed boards, bath lifts, over-bed tables, air purifiers, exercise equipment, stethoscopes, and blood pressure gauges. The replacement of covered DME which is lost, misplaced, or stolen is also excluded. |