Order with Insurance Coverage

📋 How Insurance Orders Work

When you order through insurance, we handle the verification and billing process for you. Here's what to expect:

What You'll Need

• Front and back photos of your insurance card
• Physician's prescription or order (for items that require one)
• Your contact information and delivery address
• Date of birth and policy holder information

Important Information

• Coverage varies by plan and medical necessity
• You may have copays, coinsurance, or deductible responsibilities
• Some items require prior authorization from your insurance
• We'll provide a cost estimate before processing your order
• You can always choose to pay cash instead of using insurance

🔒 Your Privacy & Security

We take your health information seriously. Our insurance order process uses:

• HIPAA-Compliant Forms: All information is collected through secure, encrypted forms
• Secure File Storage: Documents are stored in HIPAA-compliant systems with Business Associate Agreements
• Limited Access: Only authorized staff access your protected health information
• Audit Trails: All access to your information is logged and monitored

Medicare & Medicaid Coverage

Little's Loving Home Services is an approved Medicare and Medicaid DME supplier. We accept assignment for Medicare-covered items, which means we agree to accept the Medicare-approved amount as full payment.

Medicare Beneficiaries

• We accept Medicare assignment for covered DME items
• You pay your deductible and 20% coinsurance for covered items
• We will provide an Advance Beneficiary Notice (ABN) if Medicare may not cover an item
• Your rights under Medicare are protected

Important Medicare Information

Non-Discrimination Notice: We do not discriminate based on race, color, national origin, age, disability, or sex. Medicare beneficiaries have the right to file complaints with Medicare regarding quality of care or discrimination. Contact Medicare at 1-800-MEDICARE (1-800-633-4227) or TTY 1-877-486-2048.

Advance Beneficiary Notice (ABN)

If Medicare may not cover a service or item, we will provide you with a written Advance Beneficiary Notice explaining why Medicare may deny payment and giving you the option to:

• Receive the item/service and pay for it yourself if Medicare denies coverage, or
• Not receive the item/service

Legal Information

FDA Medical Device Notice

Important: The durable medical equipment sold through this site are medical devices regulated by the U.S. Food and Drug Administration (FDA). Some items require a valid prescription from a licensed healthcare provider. These products are not intended to diagnose, treat, cure, or prevent any disease. Always consult your healthcare provider regarding the appropriate use of medical equipment.

Governing Law & Dispute Resolution

These terms and all insurance orders are governed by the laws of the State of Colorado, without regard to conflict of law provisions. Any disputes arising from insurance orders shall be resolved in the courts of Arapahoe County, Colorado, or through binding arbitration in Aurora, Colorado, at the mutual agreement of both parties.

Accessibility & Accommodations

Little's Loving Home Services is committed to ensuring accessibility for all customers, including those with disabilities. If you need assistance with the insurance verification process or require documents in alternative formats (large print, audio, Braille), please contact us at (720) 216-1057. We provide reasonable accommodations at no additional charge.

Assignment of Benefits

By submitting an insurance order, you authorize Little's Loving Home Services to:

• Bill your insurance company directly for covered items
• Receive payment directly from your insurance company (Assignment of Benefits)
• Appeal denied claims on your behalf
• Request medical records necessary for insurance claims

You remain ultimately responsible for all charges not covered by insurance, including deductibles, coinsurance, copays, and non-covered items.

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