Insurance Reimbursement Resource
Can insurance cover your crutches?
Often, yes. We do not bill insurance directly. You buy your crutches, then use the paperwork we provide to request reimbursement. Many customers with PPO, FSA, HSA, or Medicare Part B recover part or all of the cost.
The easiest path
FSA and HSA are always eligible.
in-Motion crutches qualify for FSA and HSA funds with no prior authorization or physician letter needed in most cases. Pay with your FSA or HSA card at checkout, or pay out of pocket and submit your itemized receipt.
How it works
We don't bill insurance. We make reimbursement simple.
You pay for your crutches at the time of purchase, then work with your insurance provider to request reimbursement. Many customers with PPO plans, FSA accounts, or HSA accounts successfully recover part or all of the cost. We make this simple by providing the documentation your insurer will ask for.
If you have private insurance, a PPO plan, Medicare Part B, or a flexible spending account, you may be eligible for full or partial reimbursement on in-Motion crutches. The key is having the right paperwork, and we have everything you need ready to go.
Coverage by plan
Are crutches covered by insurance?
Crutches are classified as Durable Medical Equipment (DME) by most insurers, the same benefit that covers wheelchairs, knee scooters, and other mobility aids. Coverage varies by plan.
PPO plans
Typically cover 70 to 100% of DME after your deductible is met.
Medicare Part B
Covers 80% of the Medicare-approved amount for medically necessary crutches.
Medicaid
Coverage depends on your state and plan.
HMO plans
May require a referral or pre-authorization before purchase.
FSA and HSA
Funds can always be used, with no approval needed.
Best first step: call the member services number on your insurance card and ask, "What is my DME benefit, and do I need a prescription or prior authorization for crutches?"
Step by step
How to get reimbursed from your insurance
Six steps from your first phone call to a reimbursed claim.
Call your insurance provider
Ask about your DME benefit and whether crutches require pre-authorization. Get the procedure code they use: HCPCS E0110 for forearm, E0117 for underarm crutches.
Get a prescription if required
Ask your doctor, orthopedic surgeon, or physical therapist to write a prescription for crutches noting your diagnosis. This is often required by insurance, not by us.
Download your Certificate of Medical Necessity
We provide a fillable CMN form at no charge. Download it below, have your physician complete it, and keep it with your records.
Place your order and save your receipt
After purchasing, you will receive an order confirmation email with an itemized breakdown. This is your receipt for reimbursement.
Submit your claim
Send your completed CMN, prescription (if required), and itemized receipt to your insurer through their standard claims process, online portal, app, or mailing address.
Follow up
Reimbursement timelines vary, typically 2 to 6 weeks. If your claim is denied, ask for a written explanation and request an appeal. Many initial denials are reversed on appeal with the right documentation.
Free download
Certificate of Medical Necessity
Download our fillable CMN form at no charge. Have your physician complete and sign it, then include it with your reimbursement claim.
Get organized
What documentation you will need
Having these ready before you contact your insurer makes the process much faster.
| Document | Where to get it |
|---|---|
| Certificate of Medical Necessity | Download from this page, have your physician complete and sign it. |
| Prescription / Letter of Medical Necessity | From your doctor, orthopedist, or surgeon. |
| Itemized receipt | Your order confirmation email from Millennial Medical. |
| Insurance member ID | Your insurance card. |
| HCPCS code for your crutches | E0110 (forearm / Lofstrand) or E0117 (underarm / axillary). |
| Pre-authorization number (if required) | Obtained by calling your insurance provider before purchase. |
Frequently asked questions
The questions we hear most
Will you bill my insurance for me?
No. We do not bill insurance directly. You purchase your crutches from us, and we provide all the documentation you need to submit a reimbursement claim to your insurer on your own. This keeps our prices lower and eliminates the lengthy pre-authorization delays that come with direct insurance billing.
Do I need a prescription to buy crutches from you?
No prescription is needed to buy from Millennial Medical. However, if you plan to seek insurance reimbursement, your insurer will likely require a prescription or Letter of Medical Necessity from your doctor as part of the claims process.
Are in-Motion crutches covered by Medicare?
Medicare Part B covers 80% of the Medicare-approved amount for medically necessary Durable Medical Equipment, including crutches, after your deductible is met. You are responsible for the remaining 20% coinsurance. A physician must certify that the crutches are medically necessary. Contact Medicare directly at 1-800-MEDICARE to verify your specific coverage before purchasing.
What is the HCPCS code for crutches?
HCPCS codes are used by insurance companies to identify medical equipment for billing. For Millennial Medical in-Motion crutches: forearm (Lofstrand) crutches are E0110, and underarm (axillary) crutches are E0117. Provide these codes to your insurance company when inquiring about coverage or submitting a claim.
My insurance denied my claim. What do I do?
A denial is not always final. Request a written Explanation of Benefits (EOB) explaining why the claim was denied. Common reasons include missing documentation, incorrect codes, or lack of medical-necessity documentation. Gather the missing items and file a formal appeal. Many initial DME denials are overturned on appeal when the right documentation is submitted.
Can I use my FSA or HSA card directly at checkout?
Yes. You can use your FSA or HSA card as a payment method when checking out on millennialmedical.com. in-Motion crutches qualify as FSA and HSA eligible medical equipment. If your card is declined (some FSA cards restrict online purchases), simply pay by credit card and submit your receipt to your FSA/HSA administrator for reimbursement.
Using your FSA or HSA card
FSA and HSA questions
What does FSA and HSA mean? What are they?
An FSA (Flexible Spending Account) and an HSA (Health Savings Account) are both types of savings accounts that let you set aside pre-tax money for eligible medical expenses. Most plans provide a debit card linked to your account, and you can use the card to pay for qualifying purchases.
If I didn't use my FSA or HSA card for the purchase, can I get reimbursed?
Yes. Keep your itemized order confirmation email and submit it to your FSA or HSA administrator for reimbursement of the eligible purchase.
What can I purchase from Millennial Medical with my FSA or HSA card?
All products we offer on our website, including the in-Motion forearm and underarm crutches, and the knee scooter, CPM, or wheelchair rentals, along with any taxes or shipping, can be paid for using your FSA or HSA card.
Can I return an item that I purchased using my FSA or HSA card?
Yes. As with any other non-FSA/HSA transaction, the refund will be issued to the original card used in the transaction.
Millennial Medical / in-Motion Crutches
Get the crutches. Keep the paperwork. Get reimbursed.
in-Motion crutches are FDA-cleared, FSA and HSA eligible, and backed by the documentation your insurer will ask for. Shop the forearm or underarm model, or reach out and we will help.
Start shoppingThe information provided here and elsewhere is based on the current and limited knowledge we have gathered from publicly available sources. It is not intended to provide, and should not be relied upon for, tax, legal, medical, or accounting advice. The content on this page is from public information and is reproduced here for your convenience. Millennial Medical Equipment, LLC does not guarantee the accuracy of this information.