We verify your coverage
Insurance verified
before equipment ships.
Most DME suppliers leave the insurance legwork to you. We run the eligibility check for you — real payer data, plain-English answer — and call you back, usually the same business day, before any order moves. No surprise bills downstream.
How it works
Three fields. Real data. We do the rest.
You give us three fields
Member ID, date of birth, and either payer name or state. No SSN, no income, no commitment.
We query the payer directly
A HIPAA-compliant 270/271 eligibility transaction to 3,400+ payers — the same call your provider's office makes.
We call you back with a plain answer
Usually the same business day: covered or not, deductible position, estimated patient responsibility, and what to do next.
Payers we accept
Most national + regional plans.
We check eligibility against more payers than we can list. Below is the high-coverage cohort by category. Don't see yours? Run the coverage check — odds are we hit it.
Medicare
Medicare Part B (Original), most Medicare Advantage plans, Railroad Medicare. Accepted nationwide for DMEPOS categories where we hold supplier status.
Medicaid
AHCCCS (Arizona Medicaid) live today. MN Medical Assistance enrollment pending. Dual-eligible (Medicare + Medicaid) supported across the board.
Commercial
BCBS plans across most states, UnitedHealthcare, Aetna, Cigna, Humana, and most regional commercial payers — all verified by our intake team.
Why this matters
A coverage answer
before the anxiety starts.
The most stressful moment in DME isn't the equipment arriving. It's the bill that shows up afterward. We front-load the eligibility check so you know what's covered, what isn't, and what it'll actually cost — before anything ships.
Less paperwork. Fewer phone calls. No surprise bills downstream.
The honest version
Big DME suppliers won't check before they ship.
The standard playbook is: ship the equipment, file the claim, bill the patient for whatever insurance doesn't cover. We think that's how surprise bills happen. So we built the check into the front of the funnel where it belongs.
Eligibility check preview
Verified by our intake team. HIPAA-compliant transport. No PHI stored on submit.
FAQ
About insurance and coverage checks.
Which insurance plans does Affinity verify coverage for?+
We verify benefits across 3,400+ payers including Original Medicare Part B, most Medicare Advantage plans, Railroad Medicare, AHCCCS (Arizona Medicaid), and most commercial plans — Blue Cross Blue Shield, UnitedHealthcare, Aetna, Cigna, Humana, and most regional commercial payers. Dual-eligible (Medicare + Medicaid) coverage is supported across the board.
How long does the coverage check take?+
Typically the same business day. You submit three fields (member ID, date of birth, and equipment type) through our online form. Our intake team runs the 270/271 eligibility transaction with your payer and calls you back with a plain-English answer — what's covered, what your copay or deductible looks like, and what (if anything) we'll need from your physician before equipment can ship.
What information do I need to submit for a coverage check?+
Member ID from your insurance card, your date of birth, and the equipment category you're asking about (CPAP, oxygen, mobility, etc.). We don't ask for or store sensitive financial details on submit. HIPAA-compliant transport throughout.
Do you accept Medicare Advantage plans?+
Yes — most Medicare Advantage plans (Aetna, Humana, UnitedHealthcare, Blue Medicare, and most regional MA plans) work with Affinity. Each MA plan has its own rules and contracted-supplier networks, so we always verify your specific plan before ordering rather than assuming. That's the whole point of the eligibility check up front.
What if my insurance doesn't cover the equipment I need?+
We tell you, in writing, before anything ships. You can then choose: pay out-of-pocket with full price transparency, work with your physician on alternative documentation that might qualify under your plan, or have us refer you to a more appropriate supplier. We don't ship first and bill later — that's what creates surprise bills, and the whole product is built to prevent that.
Do I need a prescription from my doctor to qualify?+
For most DME categories Medicare and commercial plans require a Standard Written Order (SWO) and supporting clinical documentation from your prescribing physician. We help coordinate that — the coverage check can start with just your insurance information; we work with your provider's office in parallel to get the documentation in order. You don't have to chase paperwork yourself.
Have a question?
Three fields, real payer data, plain-English answer. Or talk to a person — we're fast.