Private Insurance

Private Insurance can be individually purchased, but is often provided through employer-sponsored health benefits.  Catheter reimbursement is individually determined and/or policy determined.  It is important for you to know what your insurance provider will cover. 

• Will your catheters be covered at 100%?
• Is there an annual limit for coverage?
• Is there a co-pay?  Often, insurance covers 80% and you must pay the remaining 20% either out of pocket or by coordinating co-pay with your spouse’s insurance.

Prior approval is typically required and a request for reimbursement may also require the following:

• Doctor prescription, either with the first claim or with each individual request (ask your provider)
• Doctor support letter stating the diagnosis and reason why and how frequently you need to use a catheter 
• Official receipt from pharmacy or dealer to submit to your insurer for reimbursement.  You can also ask your pharmacy / dealer if they can bill your insurer directly.