Insurance, Billing & Reimbursement

Fort Medical Equipment accepts most types of health insurance plans, HMOs and managed care plans. Below is a list of the common plans accepted. If you do not see your plan listed, we invite you to stop in or call 866-206-8494 to speak directly with our friendly and knowledgeable customer service representatives.

  • AARP Medicare Advantage
  • American Family Insurance
  • American Republic
  • Anthem Blue Cross Blue Shield
  • Blue Cross Blue Shield
  • Care Wisconsin
  • Cerner Health & Wellness
  • Chartwell Midwest of Wisconsin
  • Community Care, Inc
  • Forward Health
  • Health EOS
  • Health Partners
  • Managed Health Services
  • Medicare
  • Network Health Plan
  • Pekin Insurance
  • Physicians Mutual
  • State Farm Health
  • Today’s Option Pyramid Life
  • Transamerica Life
  • Tricare
  • United Healthcare
  • United Medical Resources 1
  • Wisconsin Physician Services


The Billing Process

  • Prior to most purchases and/or rentals, our customer representative will call your insurance plan to determine what documents are required to submit a claim for the prescribed durable medical equipment services.
  • During the insurance verification process, our customer service staff will obtain an estimate of your current deductible and additional out-of-pocket expenses that you may be financially responsible for paying.
  • All deductibles, coinsurance and copayments will be collected at the time that services are provided. It is important to review your personal policy as insurance plans vary with durable medical equipment coverage, deductibles and coinsurance amounts.

Common Questions

What is a deductible?
A deductible is a fixed yearly dollar amount that you pay out of pocket before your insurance begins to pay. Not all insurance plans have deductibles.

What is coinsurance?
Coinsurance is the percentage of medical costs the policyholder pays after a deductible has been met. For example, Ron has oxygen equipment and sees his doctor regularly. Ron’s annual deductible is $1,000. After Ron’s deductible has been met, his insurance plan pays 90% of the charges, making Ron responsible for remaining 10%. This 10% is Ron’s coinsurance. 

What is secondary insurance?
Secondary insurance is a separate policy that can help pay for your coinsurance payment. For instance, if Ron had a secondary insurance policy, it would pay for most or all of the 10% payment Ron is responsible for after his primary policy paid the 90%.