How Insurance Billing Works

Nothing is purchased on this website. You send us a request, we contact you, and we handle the rest, including billing your insurance when your plan covers the item.

The short version

You send a request for the item you need. We contact you, collect your insurance and prescription details, verify your benefits with your carrier, and tell you what your plan covers and what you will owe. Nothing ships until you approve the cost. You will not receive a surprise bill from us.

Step 1: Send a request

Find the product you need and use the request button, or call us at 651-703-0388. The request only needs your name, your contact information, and the item you are interested in. Please do not include medical or insurance details in the web form. We collect those directly when we talk with you.

Step 2: We contact you

To verify benefits we need your insurance card, front and back, your prescription from your treating provider, and your prescribing provider's name and contact information. Depending on the item and your plan, we may also need chart notes documenting your diagnosis and, for some equipment, evidence that other treatments were tried first.

If you do not have a prescription yet, send a request anyway and tell us. We can often work directly with your provider's office to get it.

Step 3: We verify your benefits

We contact your carrier and confirm what is covered, whether prior authorization is required, how much of your deductible remains, and what your coinsurance or copay will be. Most verifications come back within two to three business days. Prior authorizations take longer, sometimes several weeks, and that is the carrier's timeline rather than ours.

Step 4: You approve the cost

We contact you with the actual number. If it is more than you expected, you can decline. Nothing moves forward without your approval.

Step 5: Fitting and fulfillment

Custom garments, breast prostheses, diabetic footwear, and cranial prostheses require a fitting. We do those in person in Minneapolis. Ready-to-wear items ship directly.

Plans we work with

Flow Medical is accredited by HQAA. We are in network with Medicare, Medical Assistance (MA), Humana, HealthPartners, and Hennepin Health, and we bill Blue Cross Blue Shield, Medica, PrimeWest Health, and South Country Health Alliance as an out-of-network provider. See the full list on our Insurance We Accept page. If your carrier is not listed, send a request anyway and we will check.

A note on your privacy

We do not collect health information through this website. Insurance and medical details are gathered directly by our staff when we contact you. Our full privacy practices are on our Privacy Policy page.

Questions

Call us at 651-703-0388 or email info@flowmedicalmn.com. If you are not sure whether something is covered, ask. That question costs you nothing.