Insurance & Coverage Information
Please Note: Insurance billing and coverage assistance is available exclusively through our physical store location in Denton, TX. Our online store is a self-pay platform only. If you are local to the Denton area and would like to use your insurance benefits, please contact Choice Medical Equipment directly.
Insurance for home medical equipment works differently than a traditional medication prescription. Receiving durable medical equipment (DME) is not an instant transaction — it is a step-by-step process involving your provider, documentation, verification, and communication with your insurance plan.
We want you to feel informed, supported, and prepared throughout the process.
How Insurance Works
Insurance coverage for home medical equipment varies based on:
- Your insurance plan
- Whether we are in network
- Medical necessity requirements
- Documentation from your healthcare provider
- Prior authorization rules
- Rental vs purchase rules
- Your deductible, copay, and coinsurance
Important Expectation:
Insurance for home medical equipment works differently than a traditional medication prescription. DME is rarely covered at 100%. Most plans require a deductible, copay, or coinsurance toward the item.
Additionally, many DME items are processed using allowables, a set maximum amount that insurance will contribute toward a standard version of the equipment. If you choose an upgraded model or additional features, or insurance does not cover the full cost of the item, insurance still only pays up to the standard allowable, and you would pay the difference in cost.
Obtaining DME is a multi-step process, involving insurance verification, documentation gathering, and sometimes prior authorization — all of which take time and may require follow-ups with providers and insurers.
How to Get Started
Email intake@choicemedicalequipment.com and include the following information:
- Doctor’s order or prescription
- Clear photos of the front and back of insurance cards (primary and secondary, if applicable)
- Your email address (for encrypted forms and service/order documentation)
- A textable mobile number (for real-time updates)
After receiving this information, our team will obtain additional medical notes or documentation directly from your healthcare provider, if required by insurance.
Please only email intake@choicemedicalequipment.com with the above information. This email is to receive information only and is not used for status updates.
Process & Timelines
Once your order and insurance information are received, Choice Medical Equipment team members will complete the following steps:
- Insurance verification (24–48 hours)
- Financial review with patient (deductibles, copays, coinsurance, or upgrades)
- Documentation requests to your healthcare provider that insurance requires
*May require follow-ups
*If no reply within 24–48 hours, we reach out to the patient for assistance
- Submission of documentation and/or prior authorization
- Approval → coordination of pickup or delivery
The documentation and approval timeline depends on responsiveness from both the provider and insurance company.
Communication Expectations
Encrypted text messaging is the quickest and most efficient way to communicate with our team. Text our team at 940-380-0455.
Text messaging allows real-time updates, prevents missed calls, and helps us clarify questions quickly and accurately. It also keeps communication organized while we wait for responses from healthcare providers or insurance plans.
If we are actively waiting on documentation from a provider or an approval from your insurance plan, we will notify you as soon as we receive updates. We understand that you want to stay informed, and we are committed to keeping communication clear and timely throughout the process.
About Parachute Communications
Some providers submit DME orders through a platform called Parachute, which is a separate, third-party system that is not owned by or operated by Choice Medical Equipment.
When a provider places an order using Parachute, the system may automatically send text messages or requests for information directly to the patient.
These messages are intended to help move the order forward, but they may appear to be coming from us when they are actually being sent from Parachute. We want you to be aware that:
- You may receive communications from Choice Medical Equipment
- You may also receive communications from Parachute
- Both messages relate to the same DME request, but they come from different systems
If anything ever feels confusing, unclear, or duplicated, please feel free to reach out so we can help you understand the status of your request.
Understanding Allowables and Coverage
Insurance companies set an “allowable amount” for covered DME items. This is the maximum amount the insurer will consider toward the standard version of the equipment. If you choose an upgraded product, insurance still pays only up to the allowable, and you would be responsible for the difference.
If you would like upgraded features or a higher-performance model, you may apply the standard allowable toward that upgraded item and pay only the difference in cost.
This helps keep total expenses fair and manageable while still giving you the option to choose equipment that best fits your needs.
After Coverage Is Approved – Pickup and Delivery
Once all documentation and approvals are complete, we contact you to schedule pickup or delivery.
In-Store Pickup Items:
- Rolling walkers
- Rollators
- Commodes
(unless part of a combined delivery)
Delivery Items:
- Power wheelchairs
- Scooters
- Standard wheelchairs
- Lift chairs
Insurance Plans We Cannot Bill as Primary Insurance
In most cases, we do not accept the following insurances as primary insurance (some may be accepted as secondary insurance):
Primary vs. Secondary Insurance
Primary insurance is billed first and determines coverage and allowables. Secondary insurance is billed after the primary plan and may help cover remaining balances. Both plans must follow insurance rules, and coverage is not guaranteed to be 100%.
- Aetna Signature Admin (Chickasaw Nation)
- Amerigroup
- Amerigroup Integranet
- Assurant
- Baylor, Scott and White Health Plan
- BCBS Autoworker Policies
- Blue Cross Blue Shield HMO/Healthselect
- Blue Cross Blue Shield Medicaid
- Care and Care
- Caremark
- Care Improvement Plus
- Carecentrics
- Champ VA
- Cigna Healthspring Medicaid
- Cigna HMO
- Community Health Choice (Medicaid) Hurricane Relief
- Essence
- First Health Network (UHC)
- GEHA
- Group and Pension Administration
- Healthspring Medicare
- Healthsmart
- Humana HMO
- Molina
- Pacificare
- PHCS
- Physicians Health Choice (a branch of Wellmed)
- Secure Horizons
- Sierra Health
- Silverback
- Superior Advantage
- Texan Plus (Wellcare United Healthcare)
- Tricare
- TWWC – Workman’s Comp
- United Health Care HMO/Multiplan
- UMR (CVA Inc)
- Vantage
- Wellcare
- Wellmed
Payment Options
We understand that insurance does not always cover the full cost of durable medical equipment. Depending on your plan, there may be deductibles, coinsurance, or upgrade costs that insurance does not pay.
Some patients chose to use CareCredit, an independent healthcare financing company, to help manage out-of-pocket expenses. CareCredit is not insurance and is not offered or administered by Choice Medical Equipment.
CareCredit may be used for:
- Insurance upgrade differences
- Coinsurance or deductible balances
- Items or features not covered by insurance
Approval, terms, and monthly payments are determined by CareCredit. Use of CareCredit does not change insurance requirements or coverage rules.
CareCredit is optional and is offered as a convenience for patients who prefer flexible payment options.