Insurance 101: Feminine Forms Process
Our Insurance 101 blog series aims to help you understand the basics of how your insurance policy covers products from Feminine Forms, prepare you to use your insurance policy to cover your needs, and give you the information you need to advocate for yourself with your insurance company. This post will explain the general process that Feminine Forms follows to make the insurance process as smooth as possible for you.
Gather insurance information: When you make an appointment for a fitting or consultation for any products, we will ask for your insurance information including the company, your identification number, and your birthdate. This helps us better prepare for your appointment.
Contact insurance company: Especially if you are a new customer or have a new policy, we try to contact your insurance company before your appointment. We confirm the frequency of product coverage as well as your current deductible and out-of-pocket total and co-insurance rate. This helps us be prepared to give you a better idea of what your out-of-pocket cost will be (although nothing is confirmed until we file the claim).
Paperwork at appointment: When you come for your appointment, we will have a couple of forms for you to fill out and sign.
First, if you are a new customer, we will have an intake form including your personal information, doctor information, and insurance information.
You may have a prescription from your doctor for the products you need. However, in all cases except for lymphedema compression sleeves, a prescription is not necessary, we will work with your doctor’s office to get the information we need.
We will have a brief questionnaire about how your surgery/healing process is progressing.
Fitting appointment: With all of the information we have gathered, we will be able to provide you with products covered by your insurance policy!
Sign assignment of benefits: Insurance assignment of benefits involves patients granting their healthcare providers the right to collect payment directly from the insurance company for covered medical services. This arrangement streamlines the payment process, ensures timely compensation for providers, and is common with in-network healthcare services. While the provider receives direct payment, patients may still be responsible for any out-of-pocket costs specified in their insurance policy. This means that you may not pay on the day of your appointment. If we are confident in our understanding of your insurance policy and coinsurance rate, we may collect your out of pocket cost before you leave the store.
File insurance claim: Feminine Forms will take the paperwork we have gathered and confirmation of your receipt of the products and file the claim with your insurance company. It usually takes several weeks for a claim to be processed.
Customer payment of out-of-pocket costs: When the claim has been processed, we will know how much your insurance company paid and you will be responsible for the remaining amount (if you have not previously paid). We will mail an invoice to you for the cost you are responsible for and ask that you call and pay over the phone, mail a check, or come pay in person.
At this point, everything for your visit (or order of new products) is completed! As soon as the time has passed for your insurance limit of products (six months, a year, two years, etc.), we can repeat the process and file a new claim for new products!
If you have any questions about the insurance process, please feel free to ask! We aren’t experts, but we are happy to do whatever we can to help you take advantage of your insurance benefits.
