πŸ“ 1849 West Water St, Bldg #5, Elmira NY 14905 πŸ“ž 607-270-2777  Β·  Thu/Sat/Sun 12–10PM
Insurance & Billing

We Handle the Paperwork

Focus on your recovery. We verify your insurance, handle billing, and get your equipment approved β€” at no extra cost to you.

How Insurance Verification Works

1

Submit Your Info

Complete our intake form with your insurance card details and the equipment you need. Takes about 5 minutes.

2

We Verify (24 Hours)

Our team contacts your insurer directly and verifies your eligibility, deductible, and coverage for your specific equipment.

3

We Contact You

We call or email with exactly what's covered, your estimated out-of-pocket cost, and next steps to get your equipment ordered.

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Medicare

MediHarbor is a HQAA-accredited DMEPOS supplier with Medicare enrollment pending. Medicare Part B covers 80% of the approved amount for medically necessary DME after your annual deductible.

  • βœ… Medicare Part B DME coverage
  • βœ… We accept Medicare assignment
  • βœ… Capped rental program available
  • βœ… Advance Beneficiary Notice (ABN) provided when required
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Medicaid

We accept New York State Medicaid for covered DME items. Medicaid often covers equipment that Medicare doesn't, and vice versa. If you have both, we coordinate benefits to minimize your out-of-pocket costs.

  • βœ… NY State Medicaid accepted
  • βœ… Medicaid Managed Care plans
  • βœ… Medicare + Medicaid dual coordination
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Private Insurance

We work with most major private insurance plans. Don't see yours? Call us β€” we verify all plans.

βœ“ Aetna
βœ“ BlueCross BlueShield
βœ“ Cigna
βœ“ United Healthcare
βœ“ Humana
βœ“ Fidelis Care
βœ“ Healthfirst
βœ“ MVP Health Care
βœ“ Empire BlueCross
βœ“ Molina Healthcare
βœ“ WellCare
βœ“ MetroPlus
βœ“ AmeriHealth
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Cash Pay & Self-Pay

No insurance? No problem. MediHarbor prices all products 20–30% below MSRP for cash-paying customers. We also offer flexible payment plans with no interest for qualified patients.

  • βœ… 20–30% below retail pricing
  • βœ… HSA/FSA cards accepted
  • βœ… Flexible payment plans
  • βœ… No credit check required for plans

⚠️ About Advance Beneficiary Notices (ABN)

If you're a Medicare beneficiary and we believe Medicare may not cover a particular item or service, we are required to give you a written Advance Beneficiary Notice (ABN) before providing the item. The ABN explains why Medicare may not pay, and gives you the choice to receive the item and pay out-of-pocket, or to decline it.

Receiving an ABN is your right as a Medicare patient β€” it protects you from unexpected charges. We will always explain your options clearly before you sign anything.

Verify Your Insurance β€” Free

Takes 5 minutes. We contact your insurer and get back to you within 24 hours with your exact coverage.

Start Verification β†’ πŸ“ž 607-270-2777