Understanding Your Coverage for Medical Supplies

Accessing medical supplies through insurance can be complicated because every plan has different rules, documentation requirements, product allowances, and medical necessity criteria.

Most health insurance plans often offer coverage for a wide range of medical supplies but will only cover specific items based on patient need and medical necessity. That means the products available for one person may differ for another, and coverage rules can vary greatly from plan to plan.

At HCD, our job is to simplify this process so individuals understand what their plan will cover, based on the individual’s condition and their medical need. We help individuals get access to the needed medical supplies that best support their condition — without confusion, delays, or frustration.

We Navigate the Healthcare System for You

Understanding insurance coverage is our expertise.

Our team has deep knowledge of Medicaid, Medicare, Managed Care, and Commercial health plan requirements, and we stay continuously up to date on policy changes and coverage rules.

We work directly with your physician and collaborate closely with you to understand your condition, your needs, and the products that will best support your health. Using this information, we know what your plan will cover and work with your physician to provide a personalized product solution.

Expert Guidance Backed by Technology and Compliance

HCD maintains one of the most comprehensive medical-supply coverage databases in the industry. Our technology organizes detailed information across hundreds of plans — including:

• What products are covered
• Monthly or annual limits (allowable amounts)
• Required documentation
• Medical necessity criteria
• State-specific policies

Our compliance team closely monitors insurance plans and regulatory changes to stay aligned with current payer requirements and coverage rules, helping reduce the risk of disruptions or delays in your product shipments.

A Faster, Easier Path to the Supplies You Need

With HCD, individuals don’t need to navigate insurance alone or figure out where to start. By collecting a few key details, our team can typically verify coverage and begin the process the same day.

Because we manage the documentation with your physician and handle all communication with the health plan, most customers can receive their first shipment quickly and without unnecessary delays.

You benefit from:

• A streamlined onboarding process
• Fast and accurate coverage verification
• Reduced paperwork and fewer office callbacks
• A personalized product solution matched to your condition
• Supplies delivered directly to your door

Our goal is simple: remove the intricacies of the healthcare system so you can focus on your health.

We Support Patients and Providers Alike

HCD serves as the connection point between patients, physicians, and insurance plans.
By managing the administrative process, we reduce the workload for providers while giving patients a clear, stress-free path to receiving medically necessary supplies.
This approach leads to faster approvals, fewer documentation errors, and better support for every person involved in the care process.

A Smarter, More Supportive Way to Access Medical Supplies

We believe no one should struggle to understand their insurance or wait unnecessarily for essential supplies. HCD combines expert knowledge, strong payer partnerships, advanced technology, and a customer-first philosophy to make the process truly simple.
If you’d like to learn more about how we support individuals, caregivers, and providers, we’re here to help. Give us a call: 866-938-3906.