Who reports compliance to the insurance company?

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rubymom
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Who reports compliance to the insurance company?

Post by rubymom » Sat Feb 27, 2010 8:31 pm

I started my xpap journey last April. Had lots of contact with the DME at first, went through a couple of masks and switched from CPAP to BiPAP. Haven't seen them since though I did order some replacement supplies in October. I saw my doctor again in August for a follow-up. I am fully compliant and use the machine every night. I cancelled our appointment in November figuring I know from reading my own data that things are going fine. My AHI's are typically .5 and I feel great.

I've noticed from viewing my health insurance claims online that there have been no claims for the monthly machine rental since December. Apria billed me for one of my replacement items and I spoke to them sometime in January about it because it should have been covered by insurance. They asked me at that time if I was compliant and I said yes.

Lately I've been getting phone calls from a machine telling me I need to call Apria. I responded to the first few which were about the billing problem and then stopped answering them when one callback resulted in the operator not having any idea what they called me about.

So now I'm wondering--who reports compliance to the insurance company? Is the doctor responsible for that? In which case I need to go back for another visit. Or Apria? In which case how do they know? And if I'm not compliant, does the insurance company show up on my doorstep to re-possess my machine?

I posted here last year sometime about whether I needed to continue to see my sleep doc if things were going fine and the consensus seemed to be no and I'd decided not to. But maybe I should?

Thanks for your thoughts!

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Re: Who reports compliance to the insurance company?

Post by kwikwater » Sat Feb 27, 2010 8:40 pm

My sister who is Medicare aged, indicates they're all sorts of interested in compliance info. Have you talked to the insurance company about it?? I'd think Apria, the DME, should be asking if they can come verify your compliance by either reading it from the machine or from a memory source like a card or chip. Recording machine data and performance IS the job of the DME. If they have to ask you, they're behind the 8 ball. Not their deal if you're compliant, just finding out if you are so if somebody like the insurance company or your Doc are interested. All in just my opinion, heaven knows I don't get ANYTHING from my alleged DME but still argue with my insurance company that resources & hardware I've picked up and the knowledge of this forum FAR exceed anything the DME ever dreamed. Let us know!!
Kelvin

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Slinky
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Re: Who reports compliance to the insurance company?

Post by Slinky » Sat Feb 27, 2010 8:41 pm

No one reports your compliance to the insurance company - UNLESS the insurance company requests the proof.

Even Medicare does NOT require that compliance data be provided for reimbursement. Medicare only requires that PROOF of compliance be made available IF requested. Generally, it would be the DME provider who would have to provide the proof of compliance IF it is ever requested.

Prior to fairly recently, local DME providers could get away w/just sending you a form letter for you to fill out and return to them at 3 months and at 12 months stating you were using your xPAP at least 4 hours a night and at least 5 nights a week. That is what I got from my first DME provider in 2007 and early 2008.

So it was some time after early 2008 that Medicare began requiring that providers must be able to PROVE thru data that the Medicare patient was compliant IF Medicare requested that proof of compliance.

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Madalot
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Re: Who reports compliance to the insurance company?

Post by Madalot » Sun Feb 28, 2010 7:10 am

I'm going to post on this from my experience, but it is far from the absolute on this.

I am a Medicare patient and I was lead to believe that reporting the compliance was on my doctor's shoulders. According to what I've been told, my Medicare plan (I have a Medicare Advantage Plan) requires compliance reporting and gets it from my doctor.

When I first got my equipment, I was told that I was REQUIRED to have a face-to-face appointment with my doctor 60-90 days after getting the equipment or they would not pay for it.

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rubymom
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Re: Who reports compliance to the insurance company?

Post by rubymom » Sun Feb 28, 2010 8:20 am

Thanks for the replies. I have a BC/BS HMO and now that I think about it, after each doctor's visit I have gotten a letter from the insurance company saying I was approved for a certain period of time. I'm thinking perhaps 3 or 4 month. So it may very well be that it's the doctor. I had an appt this past Friday but cancelled it due to the snow. I guess I need to reschedule. And keep going, at least until my machine is paid for which the HMO says is 18 months.

Thanks!

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Slinky
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Re: Who reports compliance to the insurance company?

Post by Slinky » Sun Feb 28, 2010 8:31 am

That is correct, Madalot, Medicare does now require that the scripting doctor see you w/in (I thought) 30 days and if I remember correctly 90 days after starting you on CPAP therapy. That is a recent policy.

However, many sleep doctors do NOT have the software to download the data. Their patients' insurance dictates which local DME provider that patient can get their equipment from. The local DME providers have the necessary software to download data from the xPAPs they usually provide. And which brand they provide often hinges on which manufacturer they can get the best bulk order price from. In addition to which the brand they prefer to provide this year may well be a different brand than the brand they preferred to provide last year because this year a different manufactuer provided the better bulk price incentive, often due to a new series of devices. The doctors would have to have the software for most of the xPAP brands on the market and THAT cost would most likely be prohibitive. So, most doctors leave it up to the local DME providers to do the data downloads.

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Madalot
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Re: Who reports compliance to the insurance company?

Post by Madalot » Sun Feb 28, 2010 9:07 am

Slinky --

You are correct. My DME does the download and sends it to my doctor. But I'm pretty sure it's the doctor that provides it to the insurance company.

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Re: Who reports compliance to the insurance company?

Post by Slinky » Sun Feb 28, 2010 10:07 am

Keep in mind WHO gets PAID FOR THE EQUIPMENT by the insurance company. Usually insurances pay for the xPAP on a monthly rental payment plan for a set number of months - usually 3 to 13 months.

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Jersey Girl
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Re: Who reports compliance to the insurance company?

Post by Jersey Girl » Sun Feb 28, 2010 10:14 am

With my insurance plan - Horizon POS, I have to send my data card into my DME - I received a phone call after the first 30 days to send the card into them. They print the report and send it to the doctor and then also send off the usage data to the insurance company - for the insurance company to continue to pay, we have to provide that we are indeed actually using the machine. I feel extremely lucky that so far I have not had to spend any money out of pocket for my treatment.

The DME seems to have the system down pat. After sending in my data card with the info, they sent me a fresh card in the mail. I have also ordered a card reader and downloaded the software so that eventually I can look at this data myself. I would like to become more knowledge and proactive about my therapy.

Regards to all,

Jersey Girl

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Re: Who reports compliance to the insurance company?

Post by LinkC » Sun Feb 28, 2010 1:30 pm

Jersey Girl wrote:After sending in my data card with the info, they sent me a fresh card in the mail.
Seems to me if your insurance requires proof of compliance, they would send you the replacement card first. Otherwise, how do you account for the 3-4 nights it takes to get a new card in the mail?

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Madalot
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Re: Who reports compliance to the insurance company?

Post by Madalot » Sun Feb 28, 2010 3:26 pm

LinkC wrote:
Jersey Girl wrote:After sending in my data card with the info, they sent me a fresh card in the mail.
Seems to me if your insurance requires proof of compliance, they would send you the replacement card first. Otherwise, how do you account for the 3-4 nights it takes to get a new card in the mail?
I asked that very question once when I waited almost 10 days to get my card back from a download. They said the machine stores the data even if the card isn't in. When I replaced the card, it did say that it was downloading the information to the card, or something to that effect.

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Re: Who reports compliance to the insurance company?

Post by Jersey Girl » Sun Feb 28, 2010 6:46 pm

Yes, the card downloads all - from the time you did the last download, so no days are missed! I am just very, very happy that I have the therapy and have had the added bonus of it not costing me anything.

I have also ordered up a card reader and downloaded the software, as I would like to start learning how to read the data on my own - with a little help from my friends here, of course!

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Re: Who reports compliance to the insurance company?

Post by terrydk » Sun Feb 28, 2010 8:02 pm

My DME has never asked to see my machine or any data from it since I got it in late December so I doubt they are responsible for reporting anything in my case. I have had one follow up with the sleep doctor and they downloaded the data, reviewed it with me, made an adjustment and wanted to see me again in two months with the machine. They also mentioned that to be 'compliant' in the eyes of my insurance company I needed to be using it with good results for at least 4 hours per day.

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Re: Who reports compliance to the insurance company?

Post by amos » Sun Feb 28, 2010 8:16 pm

I asked my sleep doc that same question last week. I am on Medicare and wondered if I really needed to see him once a year. His answer was, "I do. Once a year. It's a rather short form." He went on the say that he could assign the task to my PCP if I wanted him to.

amos

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Re: Who reports compliance to the insurance company?

Post by OutaSync » Sun Feb 28, 2010 8:54 pm

After the first week, I have never been asked, by anyone, to provide compliance information.
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