Does your insurance plan cover home inr testing? If so, what insurance do you have and what is the criteria to have it covered by your insurance? What is your co-pay?
Insurance Open Enrollment is quickly approaching and we want to make sure that all of our patients are properly covered so that no gap in your home INR testing occurs. We put together some general insurance info that may help you during this often confusing time.
If you currently have an Insurance that is covering all or most of your home INR testing we recommend that you do not switch insurances plans. However, if you are planning on changing Insurances here are some plans that work well with our service and plans you may want to stay away from.
Insurances that we know work well with our service:
1. Medicare Primary with AARP Healthcare Options Supplemental Insurance
2. Medicare Primary with TriCare for Life
3. Medicare with Mutual of Omaha
4. Medicare Primary with most Supplemental Insurance Plans
5. Medicare and Medi-Cal
6. Blue Shield PPO Plans
7. Humana Plans
Plans to stay away from that do not work well with our service:
1. Most HMO Plans (Especially in California)
2. Most Medicare Advantage or Replacement HMO Plans
These plans generally have increased copays with limited services and products. Generally the Primary Care Physician must approve all services prior to you receiving them and have the ability to deny services.
Before making ANY CHANGES to your INSURANCE PROVIDER – Please contact Advanced Cardio Services at (866)416-8989 immediately to ensure there will be no interruption with service due to a new insurance.
When I had a Blue Shield of California PPO plan everything was included for me to test once a week and I only had a $15 copay once my deductible was met. Now that I have Medicare and a Blue Shield Medicare Supplement plan it doesn’t cost me anything to test my INR at home or when I travel. This is the best thing since pasta and I don’t know why anyone would want to go to the lab for an INR test when you can do it in 5 minutes at home. Oh and the people at ACS are really top notch!
Services are covered by many insurance companies but coverage varies between companies and plans. By providing insurance information to ACS, eligibilty and benefits can be verified to determine what the co-pay will be.