Direct Billing & Insurance at Calmedi

🛠️ How Direct Billing Works: 3 Easy Steps

Follow these steps before placing your order to ensure we can process your claim quickly:

Coverage Check: Please contact your insurance provider (or check your plan booklet) to confirm that the specific item you wish to purchase (e.g., knee brace, walker) is covered under your plan.
Deductible: Check if you have any outstanding deductible amount that must be paid out-of-pocket first.
Pre-Authorization: For expensive or custom items (like power chairs), ask your provider if pre-authorization is required.

For us to submit your claim successfully, you must provide the following before we can release your product:

Required Document	Details
Prescription/Referral	A valid prescription or written recommendation from a recognized prescriber (Doctor, Physiotherapist, etc.). It must include the item name, quantity, and your diagnosis.
Insurance ID	Your current member ID number and group/policy number.
Assessment Report	(If required by your insurer for complex items, such as a specialized seating assessment).

In-Store: Bring all your documentation with you. We will process the claim in real-time.
Online/Phone: Email all documentation to contactus@calmedi.com. We will process the claim and call you to arrange payment for any uncovered balance before shipping.

What if my claim is only partially covered?

You are responsible for paying the remaining balance (the co-pay or deductible) at the time of purchase.
What if I have another provider (e.g., Blue Cross, Manulife)?

For all providers not listed above, you will need to pay for your purchase upfront. We will provide a detailed, itemized receipt that includes all necessary codes (including the make and model number) for you to submit to your insurance company for easy reimbursement.
Can you submit a predetermination?

Yes, we can submit a predetermination claim to check your eligibility before you commit to the purchase. Please contact us to begin this process.