Insurance & coverage

Coverage runs on documentation. That's the part we handle.

For Medicare and most commercial plans, whether a spinal DME item is covered comes down to whether the order and the medical record meet a specific set of requirements. Here's what those are — and what we do about them.

This page is general information, not a coverage determination. Whether a specific item is covered for a specific patient depends on that patient's record and their plan. For a patient-specific question, call 509-783-7501 — and please don't include patient details in any web form.

The building blocks

What has to be true for coverage

Four things drive whether a Medicare DMEPOS claim holds up. The first two apply to essentially everything we supply; the last two apply to specific items.

Required for applicable items

1 · A valid Standard Written Order

Per CMS Article A55426, the SWO must carry six elements: the beneficiary's name or MBI, the order date, a description of the item, quantity (if applicable), the treating practitioner's name or NPI, and the practitioner's signature.

Source: CMS Article A55426

Required for applicable items

2 · A timely face-to-face encounter

For applicable DME, the treating practitioner must have had a face-to-face encounter with the patient — documented in the medical record — within the six months before the order date.

Source: 42 CFR 410.38

Specific items

3 · Written Order Prior to Delivery (WOPD)

For certain items, the supplier must have the complete written order in hand before delivering the item — not after. Among our lines, this applies to the rigid lumbar-sacral orthoses L0648, L0650, and L0651.

See the spinal orthoses page

Specific items

4 · Prior authorization (where required)

Some HCPCS codes are on the Required Prior Authorization List — the supplier must get an affirmative decision from Medicare before furnishing the item. Among our lines, this applies to L0648 and L0650 (since 2022) and, newly, L0651 — effective April 13, 2026.

L0651: CMS-6097-N · L0648/L0650: 87 FR 2051

At a glance

Prior authorization & WOPD by product line

Each line is governed by a specific Local Coverage Determination. Prior-authorization status by code:

Coverage requirements by product line and HCPCS code. "Prior auth" = on the Required Prior Authorization List. "WOPD" = Written Order Prior to Delivery required.
Product lineHCPCSGoverning LCDPrior authWOPD
Bone growth stimulatorE0748L33796 — Osteogenesis StimulatorsNoNo
Spinal orthoses — Trend lineL0457L33790 — Spinal Orthoses: TLSO & LSONoNo
L0464NoNo
L0648Yes — since 2022-04-13Yes
L0650Yes — since 2022-04-13Yes
L0651Yes — effective 2026-04-13Yes
Surgical dressings — Vitalé lineA6010A6204L33831 — Surgical DressingsNoNo

Prior-authorization status changes over time as CMS updates the Required Prior Authorization List. The L0651 requirement above is the most recent change in our lines. If you're reading this well after 2026, double-check current status — or just ask the coverage assistant below.

What we do about it

We carry the documentation load

  • We check the SWO before we accept it. All six elements, every time. If something's missing, we go back to the prescriber's office — not the patient.
  • We confirm the face-to-face is in range. If the encounter date doesn't support the order, we flag it before the item ships.
  • We open prior authorizations. For the codes that need it, we submit the request and don't furnish the item until there's an affirmative decision — and we get the WOPD in hand first.
  • We keep everything. Orders and supporting documentation are archived and retained for ten years — beyond the seven-year CMS minimum (42 CFR 424.57(c)(9)).

The point: the rules are real and they're strict, but they shouldn't land on the patient or eat the prescriber's afternoon.

For patients: what you might owe

When an item is covered, you may still owe a deductible or coinsurance under your plan, like any covered medical item. If something isn't covered, we'll tell you before you owe anything. Questions about your share? Call 509-783-7501.

More for patients →

Coverage & SWO requirements assistant

Ask about a code's requirements

Answers come from the governing LCDs and federal rules and cite their source. General reference only — not a coverage guarantee, and not for patient details.

Coverage & SWO Requirements

Powered by Claude · grounded in the governing LCDs and CFR

No patient information, please. For patient-specific questions, call 509-783-7501.

Checking the LCDs and federal rules…

This is general reference information drawn from the governing LCDs and federal rules — not a coverage determination and not a guarantee of payment. For a patient-specific question, call Peterson Medical Equipment at 509-783-7501.

Coverage question on a real order?

Don't use the web form for patient details — call us at 509-783-7501 or have the prescriber's office reach out, and we'll work it directly.