Order through your insurance
We bill Medicare, Medicaid and a number of commercial plans directly for Florida residents, and a few plans for members in Massachusetts and New Jersey. Send us your insurance card and prescription, and we check your coverage before anything ships.
Insurance plans we work with
Most plans we can bill are for Florida residents.
Medicare and Medicaid
- MedicareOriginal Medicare, Part B
Medicare PPO plans
Medicaid plans
Other plans
Broward County- PPO plans
- TRICAREThrough Humana Military
- Workers' compensation
Massachusetts and New Jersey
- Horizon Blue Cross Blue ShieldNew Jersey
Massachusetts
Massachusetts
Plan not listed? You can still file a claim yourself.
What we need from you
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Your insurance card
A photo of the front and back, plus any second plan you have. We also need your full name as it appears on the card, your date of birth, your home address and a phone number.
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Your prescription
A current prescription from your doctor for the equipment you need. See what a valid prescription must include.
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For a new machine, your sleep records
Your full sleep study report and the notes from the doctor visit where your sleep apnea was evaluated. Your doctor's office or sleep lab can give you copies. Masks and supplies usually do not need these.
Coverage depends on your plan and is not guaranteed. We tell you what your plan allows and what you would owe before anything ships. Need other medical equipment? Send your card and prescription and tell us what you need.
Send us your insurance details
It takes a few minutes, and you do not need to place an order first.
Or send them another way
Fax it
Include:
- Your insurance card, front and back
- Your prescription and any sleep records
- Your full name, date of birth and a daytime phone number
Email it
Include:
- Photos of your insurance card, front and back
- Your prescription and any sleep records
- Your full name, date of birth and a daytime phone number
Would you rather talk it through? Call us at (954) 915-1683.
What happens next
HME Medical is an ACHC accredited home medical equipment provider. You send your details once, and we do the back and forth with your plan.
- You send your detailsUse the form above, or fax or email them. You do not need to place an order first.
- We check your coverageWe call your plan to find out what you are eligible for, what your copay and deductible are and what paperwork it needs.
- We call you backWe tell you what you qualify for and what it would cost you, and you decide what you want. Nothing is charged until you do, and then you pay only your share, such as a deductible, copay or coinsurance.
- We handle the paperworkOnce you decide, we request any approval your plan needs and file the claim for you. There is no claim form for you to fill out.
- Your equipment is on its wayOnce your plan has approved it, we ship your order or have it ready for pickup at our store in Davie.
Insurance billing questions
Do I have to live in Florida?
For most plans, yes. Members of Horizon Blue Cross Blue Shield of New Jersey, Fallon Health and Mass General Brigham Health Plan can use us from New Jersey and Massachusetts. If you live somewhere else, you can still order online and file a claim with your insurer yourself.
How much will I pay?
That depends on your plan, your deductible and your coinsurance. With Original Medicare, Part B generally pays 80 percent of the approved amount once you have met the yearly deductible, and you pay the rest. A Medicare supplement plan may cover some or all of that share.
We check your plan first and call you with what you would owe. You pay your share only after you decide to go ahead.
How does Medicare cover a CPAP machine?
Medicare starts with a three-month trial. To keep coverage after that, it asks for two things: a follow-up visit with your doctor between day 31 and day 91, and data from your machine showing you used it at least 4 hours a night on 70 percent of nights over 30 days in a row.
Medicare rents the machine for 13 months. After that, it is yours.
Can I use my insurance when I check out online?
No. Checkout on our website is for paying yourself, and HSA and FSA cards work there like any other card. Orders billed to insurance are set up with our team, so send us your details first rather than placing an order online.
I already have a CPAP machine. Can you bill my plan for a new mask and supplies?
In most cases, yes. Send us your insurance card and a current prescription. Some plans, Medicare among them, may also ask for the sleep study that qualified you for the machine.
Do you deliver and set up machines?
Yes, in Broward, Miami-Dade and Palm Beach counties. When you get a CPAP machine from us, we can deliver it and set it up with you so you know how to use it from the first night.
How often will my plan pay for new supplies?
Each plan sets its own schedule for cushions, filters, tubing and masks. We check yours when we check your coverage and tell you when you are due for each item.
What if my plan is not on the list?
You can still use your insurance. Order online at our regular price, then file a claim with your insurer yourself and your plan pays you back what it allows. HSA and FSA cards are accepted at checkout.
Need help?Our experts are here for you.
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