Can Insurance Cover a Richway Amethyst Biomat? Exploring the Possibilities

In today's world, individuals are constantly seeking alternative therapies and treatments to improve their overall well-being. One such popular product is the Richway Amethyst Biomat, an FDA-approved medical device that combines the healing benefits of amethyst crystals, infrared therapy, and negative ion therapy. However, a common question that arises is whether insurance can cover the cost of the king of infrared therapy mats. In this comprehensive blog post, we will delve into the intricacies of insurance coverage and explore the factors that determine whether or not insurance will cover a Richway Amethyst Biomat.

The Biomat is FDA-approved for temporary relief of minor muscle pain, joint pain, stiffness, arthritis-related pain, muscle spasms, sprains, strains, muscular back pain, muscle relaxation, and temporary increase of local circulation.

For more information about how to get a Biomat covered by insurance, see our Insurance Coverage page.

Factors Affecting Insurance Coverage

Medical Necessity

The foremost consideration for insurance coverage is the medical necessity of a device. Insurers generally require medical professionals to deem a treatment or device medically necessary for it to be covered. This means that evidence-based research and documentation supporting the effectiveness of the Richway Amethyst Biomat as a medical treatment will play a crucial role. Doctors can provide what is called a Letter of Medical Necessity, which is provided on the doctor's letterhead and states exactly why that doctor thinks the Biomat is a necessity for the treatment the patient needs.  Most doctors are willing to provide this letter for the Biomat if they understand what it is.  So printing off a couple pages from a website like BiomatStores.com can really help them make that decision.  The doctor should also provide a prescription for the Biomat but a prescription just states the device's name, not the reason why they are prescribing it.  Getting a Letter of Medical Necessity is pivotal in getting an insurance company to approve it. Providing the insurance carrier with the prescription, Letter of Medical Necessity and throwing in the pages from the website will go a long way in determining success.

Insurance Provider

Each insurance provider has its own specific policies and guidelines for determining coverage. It is essential to thoroughly review the terms and conditions of your insurance policy to ascertain whether alternative therapies and devices like the Richway Amethyst Biomat are covered. Some insurance providers may offer coverage for alternative treatments, while others may have more stringent policies.

Pre-authorization and Pre-approval

In some cases, insurance providers require pre-authorization or pre-approval for coverage of medical devices. This process typically involves providing medical records, diagnosis information, and supporting documentation to demonstrate the medical necessity of the treatment. Depending on the specific insurance policy, failing to follow the pre-authorization process may result in denial of coverage.

Diagnosis and Condition

To determine coverage, insurers often consider the diagnosed condition and its impact on the individual's overall health. If the use of the Richway Amethyst Biomat is directly related to the treatment or management of a specific medical condition, insurance coverage may be more likely.

Out-of-Pocket Expenses

Some insurance policies may partially cover alternative therapies and devices, leaving the individual responsible for a portion of the cost. The terms of coinsurance, deductibles, and copayments outlined in the insurance policy will dictate the financial responsibility of the policyholder.

Alternative Options for Coverage

If insurance coverage for a Richway Amethyst Biomat is not available or limited, there are alternative options to explore:

Health Savings Accounts (HSAs)

HSAs are tax-advantaged savings accounts that can be used to pay for qualified medical expenses, including alternative therapies. Contributions made to HSAs are tax-deductible, and the funds accumulate tax-free until withdrawal.

Flexible Spending Accounts (FSAs)

FSAs are employer-sponsored accounts that also allow for pre-tax contributions to cover medical expenses. However, unlike HSAs, FSAs come with a "use-it-or-lose-it" provision that requires funds to be utilized within the plan year.

Personal Financing and Payment Plans

Some providers of the Richway Amethyst Biomat offer financing options or payment plans that allow individuals to spread out the cost over time. This can be a feasible option for those without insurance coverage or for those who seek immediate access to the device.

While insurance coverage for the Richway Amethyst Biomat may vary depending on several factors, it is not impossible to secure coverage. It is crucial to thoroughly review your insurance policy, consult with your healthcare provider, and explore alternative options to determine the best course of action. Ultimately, the decision to invest in a Richway Amethyst Biomat should be based on your individual healthcare needs, financial situation, and the potential benefits offered by the Biomat's infrared heat and negative ions.

One more piece of advice: An insurance company's profit margin is widened every single time they deny someone coverage.  That's how they make money.  So it is imperative to take the offensive when working to get a Biomat approved.  Get all of the above-mentioned information in order, submit it to them and then ask what else they need.  If they don't seem to know what a Biomat is, provide them with information from BiomatStores.com.  If they deny you, ask them specifically why.  Don't wait for them to approve it.  Be proactive, get someone on the phone, and keep hounding them until they approve it.