One of the first steps in obtaining a communication device, commonly referred to as a speech-generating device (SGD), is to call your insurance company to verify that your insurance policy includes coverage for speech-generating device. The policyholder or authorized family member is the best individual to make this call. If an SGD is not a covered benefit under your specific plan, it is helpful to know that before you start the funding process. Make sure to contact your local consultant if you find that your plan does not include coverage; they are happy to guide you with alternative options.
Policyholder (or authorized family member) will need to call member services (telephone number should be on the back of insurance card) and ask to verify benefits for a speech-generating device which is classified under durable medical equipment (DME)
Provide the client’s identification number, date of birth, and any other pertinent information
STEP 3: CHECK BENEFITS FOR A SPEECH-GENERATING DEVICE
Ask for in-network and out-of-network benefits, which include current deductible and co-insurance for the below procedure code:
E2510: Accent® product line, NovaChat® product line, Via® product line
Please note: The deductible and co-insurance may be different if PRC-Saltillo is an in-network or out-of-network provider with the insurance company. If out-of-network, we may be able to negotiate a single case agreement with the insurance company for in-network benefits. Payment for co-insurance and/or deductible will need to be secured prior to shipping equipment if this is the client’s only source of insurance.
STEP 4: ASK ADDITIONAL QUESTIONS
Additional questions to ask:
Are there any restrictions or exclusions on this plan for the client’s diagnosis?
For example, are there any exclusions on this plan for Autism?
Are there any monetary caps for the specific procedure code?
If previous device was obtained, confirm if eligible for new device (some policies only allow one speech-generating device per lifetime).
STEP 5: OBTAIN THE NAME OF REPRESENTATIVE AND REFERENCE NUMBER
Obtain the name of the insurance representative and reference number of the call for your records
Once the proper documents are received by the Funding Department, we will work directly with the insurance company to begin the medical review process in the event your plan requires prior approval.
The date of service is when the equipment is shipped.
Please keep in mind that the insurance company is providing you with an estimate of your benefits. Benefits are based on the plan’s policies upon the supplier’s date of service.
PRC-Saltillo is not contracted with all Blue Cross Blue Shields state commercial plans. Depending on your plan and the state you live in, your out-of-network benefits may apply.