Insurance Services

Insurance companies should not dictate what kind of prosthetic components you get, nor should they decide when you can have them. At A Step Ahead, we reject the "managed care" mentality, fighting for your rights whether you have private insurance, Medicare, Medicaid, no-fault, workers compensation, or any other form of health care coverage.

Insurance coverage for prosthetics varies widely. Each insurance company creates its own guidelines on what types of prosthetics will be covered and how much it will cover annually and in a lifetime. Our Insurance Task Force has more than 35 years of legal and claims experience. Our work begins the moment you call us for a consultation and first come to visit us. We perform extensive research regarding the terms and conditions of your insurance policy. We then take the time to educate you about our findings, so that you understand exactly what is covered and what is not. Our insurance staff works closely with you, your employer, and your family to help you reduce your financial exposure.

Once you become a client of A Step Ahead, the Task Force regularly monitors changes to your policy, always on the lookout for new exclusions, limitations, or changes in procedural requirements that could impact your ability to obtain a prosthesis. We work to protect you from coverage gaps that result in your insurer asserting a pre-existing risk exclusion. In short, we act as your insurance watchdog.

We understand that most clients have neither the expertise nor the desire to draft complex and lengthy insurance appeals. Unlike most facilities, A Step Ahead does not throw this daunting task in your lap. The Task Force personally handles all insurance appeals so that you can focus on your rehabilitation and living your life.

Using this approach, A Step Ahead has a steady stream of appeal victories to its credit. The Task Force has successfully appealed Aetna's national "no-pay" position for the C Leg Prosthesis and has obtained orders from the New York State Department of Insurance ordering Oxford to pay for prosthetic C Legs, just to name a few. To see a complete list of our insurance victories, click here.

A Step Ahead is an ancillary provider to employees of more than 40 federal government agencies.  Details of this program and the complete list of the participating federal agencies can be found at our federal agency contract page.  To view that page now, click here.