Consumer Refund Protection When Erase My Back Pain Using Credit Card Another good reason for paying out of pocket is if a credit card is used and the product is defective then there is consumer protection offered by the credit card company in case a refund is due yet the company will or did not stand behind their product. Credit card companies usually offer refunds and the patient is protected by the use of the credit card to purchase the tens or interferential unit This provides the added advantage of dealing directly as the payor with the company, rather than the payor being an insurance company, that can make it difficult to request a refund when the refund would be issued to the insurance company and not the patient.The patient chooses who to purchase from and not the insurance company. Often the insurance company may dictate what, and from whom, the device may come from without regard to the instructions, service, and dependability of the company.And then there is the issue of how long has the company been around and will they still be there if a problem arrives or supplies are needed. That is critical as it may happen that the patient is in need of assistance yet the company has folded. The patient's insurance may now not cover a new unit since there was a provision within the contract permitting only 1 unit per year, or every 5 years, and even if a unit can be procured the process of getting approval can take forever, or it seems that way if the patient is in pain. Whenever you take that into mind, then it makes sense to use insurance benefits versus paying out of pocket. If the insurance company is not prompt then the option of out of pocket may make more sense. The points above show the positive aspects of purchasing a portable tens or interferential pain machine out of pocket. There is a bad side too. Let us consider some of the negative aspects. Negative Aspects: Arguments Against purchasing a portable tens or interferential pain machine out of pocket. Most insurance policies provide for "durable medical equipment" which is what an interferential or tens unit is classified as. The monthly premiums that were being paid entitles the patient to the reasonable costs for the unit. Any out of pocket costs are truly an "add on" to costs that were paid for and should be covered.
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Erase My Back Pain
by princy william (2019-05-15)
Consumer Refund Protection When Erase My Back Pain Using Credit Card Another good reason for paying out of pocket is if a credit card is used and the product is defective then there is consumer protection offered by the credit card company in case a refund is due yet the company will or did not stand behind their product. Credit card companies usually offer refunds and the patient is protected by the use of the credit card to purchase the tens or interferential unit This provides the added advantage of dealing directly as the payor with the company, rather than the payor being an insurance company, that can make it difficult to request a refund when the refund would be issued to the insurance company and not the patient.The patient chooses who to purchase from and not the insurance company. Often the insurance company may dictate what, and from whom, the device may come from without regard to the instructions, service, and dependability of the company.And then there is the issue of how long has the company been around and will they still be there if a problem arrives or supplies are needed. That is critical as it may happen that the patient is in need of assistance yet the company has folded. The patient's insurance may now not cover a new unit since there was a provision within the contract permitting only 1 unit per year, or every 5 years, and even if a unit can be procured the process of getting approval can take forever, or it seems that way if the patient is in pain. Whenever you take that into mind, then it makes sense to use insurance benefits versus paying out of pocket. If the insurance company is not prompt then the option of out of pocket may make more sense. The points above show the positive aspects of purchasing a portable tens or interferential pain machine out of pocket. There is a bad side too. Let us consider some of the negative aspects. Negative Aspects: Arguments Against purchasing a portable tens or interferential pain machine out of pocket. Most insurance policies provide for "durable medical equipment" which is what an interferential or tens unit is classified as. The monthly premiums that were being paid entitles the patient to the reasonable costs for the unit. Any out of pocket costs are truly an "add on" to costs that were paid for and should be covered.
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