I am a hearing instrument dispenser. Maybe I can help. Someone said we require payment up front because we don't trust United Healthcare to pay. That is absolutely TRUE.
On January 1st, 2010 we had a law in my state that was passed (Arkansas) requiring insurance companies to pay a minimum of $1400 PER EAR every 3 years if you have hearing aid coverage. I thought, "Great! Some of my patients are going to be very pleased to have some of the coverage they need to get better hearing aids."
Wrong. This is an absolute nightmare and it is all because of UHC. I don't have many problems with BCBS, Aetna, etc. Only UHC. 6 months ago I changed my policy to requiring payment up front. As of last week I have just decided I am not going to file period with United Healthcare.
They do not follow the law, they change their story everytime I call to check on a patient's benefits, and they have their system set up for automatic denial. I cannot get someone in their customer service department that can speak English or do anything besides say, "Please resubmit you claim for review" which I do with the same results.
For each patient they do this with I am spending an average of 3-4 hours on the phone with United Healthcare. I don't have the time or energy to deal with those scam artists anymore. And I can't take the losses.
I hope that explains why we can't hand out hearing aids expecting United Healthcare to pay.