H&J Medical Supplies RentalHub

Welcome to the H&J Medical Supplies Rental Hub

Your trusted partner in medical equipment rentals and returns.

At H&J Medical Supplies, we strive to make your rental experience as seamless as possible. When your rental period is over or the equipment is no longer needed, our dedicated RentalHub ensures a hassle-free process. Our service includes free pick-up at your convenience, so you can focus on what matters most—your health and well-being.

When you're ready to return your rental, simply choose one of the following options:

  • Scan the QR Code: Use your mobile device to scan the QR code and fill out the return form quickly and conveniently.
  • Fill Out the Form Below: Complete the form on this page to schedule your equipment pick-up.

Tip: Be sure to print out the QR code or save it to your device so you’ll have it ready when your equipment rental period is over. This will make the return process even smoother.

Common Rental Terms for New York Medicaid and Medicare

New York Medicaid: Durable medical equipment (DME) rentals are covered as long as there is documented medical necessity and the equipment meets New York State Medicaid guidelines. Regular reviews are conducted to confirm continued eligibility and compliance.

Medicare: Most DME rentals are covered for up to 13 months. If you meet Medicare’s medical necessity criteria, ownership may transfer after this period. Medicare requires monthly re-certification to ensure ongoing eligibility for rental coverage.

Returning your rental has never been easier—simply let us know, and we’ll handle the rest!

Keep this code handy for when your ready to return your equipment

The Ultimate Guide to Renting Durable Medical Equipment

Comprehensive Tips, Examples & FAQs

Quick Reference: Key Rental Differences

Coverage Type Rental Duration Pre-Approvals? Out-of-Pocket Costs
Medicaid (NY Example) Varies by need; renewals via periodic reviews Often yes (LMN + prior authorization) Low/no cost if in-network & medically necessary
Medicare Part B 13-month capped rental; patient may own afterward Prescription & medical necessity required 20% coinsurance (unless Medigap covers)
Private/Employer Insurance May mirror Medicare or have unique terms Often requires pre-approval Subject to deductibles, copays, network rules
Private Pay No set rental cap; flexible contract terms No insurance approval needed All costs self-paid; negotiation possible

1. Renting DME Through Medicaid

Renting DME through Medicaid can be straightforward when you follow the right steps. Medicaid’s main concern is ensuring patients with limited financial resources have access to critical medical devices that maintain or improve their health.

Step-by-Step Process:
  • Consult Your Healthcare Provider:
    Speak with your doctor about your condition. If they determine DME is necessary, they’ll issue a Letter of Medical Necessity (LMN) or prescription.
  • Obtain Prior Authorization:
    Most Medicaid plans require prior authorization for DME rentals. Collaborate with your provider and a Medicaid-enrolled DME supplier to submit documents before receiving the equipment.
  • Verify Network Participation:
    Ensure your chosen supplier is approved by Medicaid. In-network suppliers offer streamlined billing and typically reduce out-of-pocket expenses.
  • Periodic Reviews:
    Medicaid may review your case periodically. Changes in your health or treatment plan could extend or shorten the rental period.
Common Pitfalls:
  • Missed Renewal Deadlines: Failing to respond promptly can lead to coverage interruptions.
  • Out-of-Network Providers: Using a supplier not contracted with Medicaid can result in uncovered bills.
Tip: Keep copies of all authorizations, prescriptions, and rental agreements.

Real-World Example

Jane, a New York resident, needed a wheelchair after knee surgery. Her doctor provided an LMN, and she worked with an in-network supplier who submitted the prior authorization. Medicaid approved a 6-month rental, with a 3-month check-in. Jane kept her paperwork organized, ensuring continuous coverage.

2. Medicare’s 13-Month DME Rental

Medicare Part B typically covers DME rentals under a capped rental period—often 13 months—after which ownership may transfer to the patient. Understanding these guidelines helps you avoid financial surprises.

Key Steps & Considerations:
  • Check Eligibility & Prescriptions:
    Confirm your needed item is on Medicare’s approved DME list.
  • Locate a Medicare-Approved Supplier:
    Those who “accept assignment” bill Medicare directly, leaving you a 20% coinsurance unless you have a Medigap policy.
  • 13-Month Rental Timeline:
    If you need the item for 13 months, it often becomes yours afterward.
  • Monthly Re-Certification:
    You may need ongoing proof of medical necessity. Missing deadlines stops coverage.
Common Pitfalls:
  • Ignoring Re-Certification Notifications: This can lead to claim denials.
  • Not Checking Supplier Assignment: If a supplier doesn’t accept assignment, you may pay more.
Tip: Mark monthly deadlines on a calendar to avoid lapses.

Real-World Example

John needed an oxygen concentrator for chronic respiratory issues. Medicare approved the rental; he paid 20% each month. By the 13th month, the machine became his. Consistently completing re-certification kept coverage seamless.

3. Private/Employer-Sponsored Insurance

Private or employer-sponsored health plans can vary widely. Some mimic Medicare’s approach, while others have different timelines and documentation.

Guidance for Successful DME Rental:
  • Review Plan Documents: Look for DME rental rules. Some policies shift from rental to purchase after a set period.
  • Confirm Network Restrictions: Use in-network suppliers to avoid higher costs or no coverage.
  • Understand Deductibles & Copays: If your deductible isn’t met, initial costs will be higher.
  • Get Required Pre-Approvals: Most insurers need a doctor’s prescription and prior authorization.
Common Pitfalls:
  • Unclear Policy Details: DME clauses may be buried in policy documents.
  • Missed Open Enrollment Changes: If you foresee needing DME, check plan alterations during open enrollment.
Tip: Keep a record of all interactions with your insurer.

Real-World Example

Maria’s employer insurance mirrored Medicare’s rental structure but required only 10 months for purchase eligibility. She stayed in-network and carefully tracked each authorization to avoid coverage issues.

4. Private Pay: Self-Funding & Negotiation

Private pay is for those without insurance or who want to skip approval processes. Though costly upfront, it provides more freedom and faster access.

How to Navigate Self-Pay Rentals:
  • Estimate Duration: For short-term needs, renting may be cheaper than buying outright.
  • Get Multiple Quotes: Compare suppliers and ask about promotions or bundled services.
  • Negotiate, If Possible: Discounts might be available for prepayment or longer rentals.
  • Check Tax Deductions & HSAs: DME rentals could be tax-deductible. HSAs/FSAs may reimburse certain expenses.
Common Pitfalls:
  • Not Comparing Prices: Costs can vary widely, so shop around.
  • Ignoring Maintenance Fees: Clarify who covers repairs in a long-term rental.
Tip: Keep all receipts for possible tax deductions or reimbursements.

Real-World Example

Aaron needed a hospital bed for two months post-injury. He compared three quotes and saved $200 by paying upfront with one supplier’s discount.

Frequently Asked Questions (FAQ)

  • 1. Can I switch from renting to purchasing mid-way?
    Answer: Depends on your insurer. Medicare allows ownership after 13 months; Medicaid and private plans vary.
  • 2. What if my insurance denies my rental?
    Answer: You can appeal. Ensure your doctor’s Letter of Medical Necessity is detailed and respond to insurer requests promptly.
  • 3. Who handles maintenance or repairs?
    Answer: Typically the supplier, but private pay contracts may differ.
  • 4. Can I rent DME while traveling or relocating?
    Answer: Yes, but insurance coverage may be limited by regions. Private pay is more flexible.
  • 5. Is prior authorization always required?
    Answer: For Medicaid, Medicare, and most private plans, yes. Private pay does not require it because you cover all costs.

Disclaimer:
This guide provides general information, not legal or financial advice. Policies can vary by state, insurer, and personal circumstances. Consult official sources (Medicare.gov, your state’s Medicaid site, or private insurer portals) and healthcare professionals for guidance.

A Final Word:
Renting Durable Medical Equipment—through Medicaid, Medicare, private insurance, or private pay— doesn’t have to be daunting. By staying informed of requirements, keeping good documentation, and communicating with providers, you can secure the equipment you need. Understanding these guidelines empowers you to make wise decisions for both your medical and financial well-being.