Privacy and Policy
B8 Medical Equipment Policies
Welcome to B8 Medical Equipment. This page outlines our core policies regarding privacy, terms of service, insurance, payments, and more. Please review these guidelines carefully, as they govern your use of our services and interactions with our company.
1. Privacy Policy
At B8 Medical Equipment, we are committed to protecting your personal information. This policy explains how we collect, use, and safeguard your data.
Data Collection Includes:
We collect personal information from patients, doctors, and insurance providers, including:
Patient Information: Name, address, date of birth, and insurance details.
Doctor Referrals: Physician name, office details, and prescribed equipment or services.
Insurance Information: Insurance plan details and coverage information.
How We Use Your Information
Your information is used solely for the purpose of verifying insurance coverage, submitting claims, and facilitating reimbursement for DME (Durable Medical Equipment) products and services.
Data Protection
We implement industry-standard security measures to protect your data, including encryption, secure servers, and privacy protocols that comply with HIPAA (Health Insurance Portability and Accountability Act).
Third-Party Sharing
We may share your data with insurance providers, healthcare professionals, or other entities involved in processing claims or referrals, but only in accordance with applicable laws.
Your Rights
You have the right to access, correct, or delete your personal data by contacting us directly.
2. Terms and Conditions
By using B8 Medical Equipment, you agree to the following terms and conditions. These terms govern your interactions with our company and our services.
Services Provided
We assist in the process of verifying insurance coverage and submitting claims for DME products, but we do not directly sell products to patients. Our service is focused on processing doctor referrals and ensuring reimbursement through insurance companies.
Payment Terms
B8 Medical Equipment does not charge patients directly for services. We work with insurance companies to secure reimbursement for DME products. If there is any co-pay, deductible, or non-covered service, the patient will be responsible for payment.
Doctor Referrals
Patients may bring a doctor’s order or the doctor can directly send the referral to us. We will verify eligibility with the insurance provider and submit a claim for reimbursement.
Insurance Acceptance
We work with various insurance providers, including BCBS, Humana, UnitedHealthcare, Molina, Aetna, Cigna, Wellcare, and Medicaid. Reimbursement is subject to the approval and coverage of the patient’s insurance.
Liability
B8 Medical Equipment is not responsible for insurance claims not reimbursed or claims denied by insurance providers. We assist in navigating the reimbursement process but cannot guarantee coverage or reimbursement.
3. Insurance and Referral Process
We work closely with insurance companies and healthcare providers to facilitate the reimbursement process for DME products. Here's how it works:
Doctor Referrals
Patients can submit a referral from their doctor directly to us. Alternatively, doctors may send us a referral for the patient’s required DME products.
Eligibility Verification
Once we receive the referral, we verify the patient’s eligibility with their insurance provider. We ensure the insurance covers the prescribed DME product(s).
Claim Submission
After eligibility confirmation, we submit the claim to the patient’s insurance provider for reimbursement. We will handle all paperwork and follow-ups with the insurance companies.
Reimbursement
We receive reimbursement from the insurance company directly. Patients are not billed directly, unless their insurance does not fully cover the cost, in which case they may be responsible for the balance.
4. Payment and Billing Policy
B8 Medical Equipment works to ensure that our services are processed efficiently through insurance companies. We do not charge patients for services directly. Instead, we facilitate the following:
Reimbursement Process
All payments for the DME services are processed through the patient’s insurance provider. We work with patients and healthcare providers to ensure that claims are processed promptly.
Claims Denial
In the event of a denied claim, we assist in appealing the decision or submitting any necessary documentation for reconsideration. If the claim is ultimately denied by the insurance provider, patients may be responsible for any outstanding amounts.
Non-Covered Services
If the insurance does not cover certain products, we will notify the patient and provider about the cost. The patient may then decide whether to pay for the product out-of-pocket or seek an alternative solution.
5. HIPAA Compliance
As part of our commitment to patient privacy and confidentiality, we adhere to the guidelines outlined by the Health Insurance Portability and Accountability Act (HIPAA). This includes:
Protected Health Information (PHI)
We protect your personal health information in accordance with HIPAA regulations.
Data Security
We use encryption and secure methods to ensure that patient data is kept confidential.
Patient Rights
Patients have the right to access and correct their PHI. If you need assistance with this, please contact us.
6. Refund & Cancellation Policy
Although we do not sell products directly, we do facilitate the process for insurance claims and patient referrals. As such, our refund and cancellation policies are based on the insurance process:
Cancellations
If a patient decides to cancel or amend their referral, they must notify us as soon as possible. Any claim submitted to the insurance company will be canceled upon request, if not already processed.
Refunds
Refunds are handled by the insurance provider if the claim is reversed or denied. If the patient has paid any out-of-pocket costs, refunds will be processed accordingly by the insurance company.
7. Dispute Resolution
In case of any disputes related to insurance claims or services provided, we strive to resolve them quickly and fairly:
Claim Denials
If a claim is denied, we will assist in appealing the decision and providing any necessary documentation.
Arbitration
If any issues arise that cannot be resolved informally, both parties may agree to resolve the matter through arbitration rather than court.
8. Security Policy
At B8 Medical Equipment, we take your privacy and security seriously. We employ various security measures, including:
Encryption
Your data is encrypted during transmission to ensure its security.
Secure Payment Gateways
All payments and reimbursements are processed securely through authorized payment providers.
Third-Party Compliance
We ensure that any third-party partners involved in the insurance process comply with applicable data protection laws.