I've had way too much time on my hands being snowed in the last few days. I'm thankful I had time to do some "homework" and save us money for Kacey's insulin but now I have another question.
As I shared in an earlier post, we got the pump approval and we will have to pay a balance of $1060. The more I thought about this....the more I started to stress (and I'm probably stressing over nothing...but don't want to wonder about it). We have United Healthcare insurance and we have a cap for Durable Medical Equipment of $3500 a year. Since it is the beginning of a new year and we are using that $3500 toward a pump, what happens with the pump supplies? Are they covered under DME or are they covered under the prescription plan? Is there a way to have that cap removed or increased since the pump is what is using it and we only upgrade every 3-4 years? I'm worried that her pump supplies are not going to be covered now. I tried talking to the UHC rep on the phone and it was obvious he didn't know diddly-squat about what I was talking about and insisted that I should "RENT" her pump and supplies. Whattttttttttt? Rent something that is going to be attached to her 24/7 and parts of it are disposable? I don't think so! I asked the UHC rep about having the cap removed and he said there is no way they can do that. He told me I had to call the person who sold my husband's company the insurance and ask them. So I called the lady at my husband's work that handles the insurance stuff and asked her and she told me that they get the insurance stuff sent down from corporate and she has no clue who the UHC rep is or how I would go about getting my questions answered. Ugh! So I'm stuck!
Is there anyone experienced with insurance questions? Can anyone help me with these questions or tell me how I'd go about finding out the answers?
I'm sitting here stressing because once she gets this pump, I don't want to be stuck not being able to afford the supplies for it.