Hanger > Orthotics > Patient Experience > Insurance and Financial Aid

Insurance and Financial Aid

Insurance Coverage

One of Hanger’s many advantages is our national scope which enables us to accept more private health insurance plans than any other prosthetic and orthotic provider in the industry.  Additionally, if you should relocate or travel to another city, your patient records can easily be accessed or transferred to another Hanger office, minimizing additional paperwork and disruption of care.

Most of the prosthetic and orthotic services provided by Hanger are covered by health insurance, including Medicare Part B.  The amount of coverage available for prosthetic and orthotic services can vary quite a bit depending on the type of policy you hold.  If you have more than one insurance plan, it is possible that the entire cost of your care could be covered.

In most cases, some percentage of “co-pay” is required to be paid out-of-pocket by the patient at the time the prosthesis or orthosis is delivered.  Before your first appointment, it is a good idea to visit with your insurance company, or prospective insurance company, to understand exactly what benefits are available for prosthetic and orthotic services. 

Working closely with your healthcare team is also beneficial and can help to maximize your benefits.  Together we can assess your needs and abilities, which will assist in determining the most appropriate prosthetic or orthotic device for your lifestyle.  This may also give additional leverage when working and/or negotiating with your insurance company.

Medicare

Hanger has tremendous experience working with the Medicare program.  Our comprehensive understanding of reimbursement, regulations and procedures help us to answer your questions regarding eligibility, bills, deductibles, and Medicare notices.

Medicare will pay 80% of its “fee schedule” for covered prosthetic or orthotic services, after your annual deductible has been met.  Generally there are no caps on types of technology covered by Medicare, as long the prosthetic or orthotic device is  medically appropriate, is prescribed by a treating physician, and otherwise meets Medicare’s coverage criteria.

Again, it is very important to work closely with your healthcare team to determine which prosthetic or orthotic product is the most appropriate for your lifestyle.

To learn more about Medicare you can call 1-800-MEDICARE, or visit their website at www.medicare.gov or www.medicareadvocacy.org.

Financial Responsibilities

Once you have made your appointment feel free to download the following forms to help save time when you check-in at the office.

Patient Registration Form or

Patient Registration Form - Spanish Version

Assignment of Benefits/Authorization to Release Information or

Assignment of Benefits/Authorization to Release Information - Spanish Version

Notice of Privacy Practices

Hanger Financial Policy

Hanger Financial Policy - Spanish Version

Once you have completed and signed each form, review them to ensure all information is accurate and bring with you to your appointment.  The office assistant will then be able to quickly check you in.  You may also want to review The Patient Information Brochure or The Patient Information Brochure - Spanish Version, which addresses patient's rights and product warranties.

After you have provided all appropriate information, our experienced office staff will verify your benefits with your insurance carrier to determine the amount of coverage available for your prosthetic or orthotic service.  If needed, our staff will also obtain prior authorization from your insurance company.

Our office staff will then be able to provide you with an accurate estimate of your portion of the costs prior to your prosthetic or orthotic service being provided.  Payment for your personal or out-of-pocket portion is expected at the time you receive your service.

Hanger accepts several methods of payment – check, credit card or money order.

Financing is also available through CareCredit.  CareCredit is a GE Money company that offers no-interest and low-interest payment plans based on your needs and budget.  For more information about CareCredit visit www.carecredit.com.


Financial Assistance

Many people have health insurance of some sort.  Unfortunately, this does not guarantee that a prosthesis or orthosis will be covered under your insurance policy.  It is very important to know what your insurance will and will not cover before proceeding with your prosthetic or orthotic care. Hanger will assist you in researching your insurance benefits and will explain the amount of coverage available for the services being requested.  Other supplemental assistance may be needed however, to help cover the costs of a prosthesis or orthosis.  Below are a few resources that may be available to you:

Limbs for Life Foundation - The mission of this organization is to benefit amputees by promoting advanced research and to provide comfortable and fully functional prosthetic care for individuals who cannot otherwise afford it. 
888-235-5462, 405-843-5174 www.limbsforlife.org

Vocational Rehabilitation Services- These services are provided by each state and assist people with disabilities to secure jobs in the field of their choice and in some cases providing financial assistance for prosthetic and orthotic devices.  Call to schedule an appointment with a counselor to find out what options are available.  Phone numbers are listed in local area telephone directories under “Rehabilitation Services” or “Vocational Rehabilitation Services.

The Veteran’s Administration -  For veteran’s only.  Check local area telephone directories for listings in your area.

The Department of Human Services – State agency which provides assistance for disabled children.  A local telephone number can be obtained through the local Department of Human Services office.

Barr Foundation –  The mission of the Barr Foundation is to help purchase prosthetic limbs for amputees who cannot afford them.  www.oandp.com/barr.

Challenged Athletes Foundation – The Challenged Athletes Foundation assists people with physical disabilities in pursuing active lifestyles through physical fitness and competitive athletics.  www.challengedathletes.org.

Crime Victims Fund – This organization is a major funding source of services for victims of a crime.  www.ojp.usdoj.gov/ovc/publications/factshts/vocacvf.

Local Non-Profit Agencies/Foundations – Contact your local United Way or Salvation Army for the names of local agencies that might be able to provide assistance.

Various Church Organizations and Civic Clubs – Many churches and civic clubs such as Kiwanis and Rotary are be able, through fundraising efforts, to provide assistance.

Diabetes Association – A telephone number can be found in local area telephone directories.

CareCredit - CareCredit is a GE Money company that offers low-interest and no-interest payment plans based on your needs and budget.  For more information about CareCredit visit www.carecredit.com.

Banks/Financial Institutions – Equity loans or loans secured by collateral may be available.


Prosthetic Parity

Prosthetic Parity requires commercial health insurance carriers to provide coverage for prosthetic devices and components, including their repair and replacement.  This essentially puts prosthetic care on par with other critical medical and surgical services.

Hanger Orthopedic Group, Inc. supports our patients’ pursuit of obtaining Prosthetic Parity.  We also support the Amputee Coalition of America in their efforts to achieve this goal at state and federal levels.

Read more about Prosthetic Parity below or visit the Amputee Coalition of America website at www.amputee-coalition.org

The Economic Benefits of Prosthetic Coverage
Prosthetic Coverage Is Good Medicine for Working Families
Prosthetic Coverage: Saving Money and Saving Lives

   
 
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