| Understanding Medicare DME Coverage |
Patients who have Medicare part B benefits have DME coverage. This coverage includes most medical equipment and supplies when medically necessary. Medicare determines the fee allowable amount they will pay for each item. Of that amount they will pay 80% (called the primary claim) . The balance (20%) transfers to the patients co-insurance (called the secondary claim). If the patient does not have a co-insurer, they become responsible for payment. Medicare has an annual deductable of $100. This amount is generally covered by the patient’s co-insurance. Patients who have Medicare and Medi-cal (Medi-Medi) have 100% coverage for DME. Diamond submits claims to Medicare electronically on a daily basis. Once paid, the balance is automatically forwarded to the patient’s secondary insurer. In this case the patient does nothing. If the patient does not have a co-insurer, and is unable to pay their portion, they may apply for a hardship waiver. Waivers are determined on a case by case basis. Contact our customer service center for more information (800) 977-3002.
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