Hello Pino,
as far as I can see, you come from Germany. I know the problem with insurance as well - but you don't have to accept that. The problem with the system is that in fact the supplier is responsible for choosing the right aid - regardless of what the doctor writes on the prescription (this is ultimately the supplier's view, which is not 100% true - I'll get to that later).
However, the insurance company (which contracted the provider) is also legally obligated to provide an effective, efficient aid that is capable of achieving the goal of the prescription (usually "participation in social life").
There are several ways to do something about this when dealing with the supplier's choice of aids
1) Prescription. It is true that the health care provider can choose the "right" aid - but only in the class of aids indicated on the prescription. In other words - if you want to get diapers and not pads, it is important that the doctor fill in the correct aid class. For high absobtion diapers, this is (M size), e.g. 15.25.31.7.
(You can also find this here:
https://hilfsmittel.gkv-spitzenverband.de/home/verzeichnis/13e2ccf6-93f2-4cb4-b956-479d7fe35699)
2) The number of aids needed must be indicated on the prescription.
3) There must be a diagnosis on the prescription (use ICD - incontinence is not enough).
4) There is a way for the physician to override the "decision" of the supplier. In this case, the physician must write the _full_ aid number on the prescription (e.g. 15.25.31.7133). In addition, an additional justification must be written as to why this aid must be taken.
The justification must:
- Example, which aids of the corresponding aid class have already been tried unsuccessfully and what was the reason for the failure (e.g. "leaking", "caused chafing on the skin").
- Reasons why it is necessary to use it in the context of the objective. So, for example, "works with customers and therefore needs a particularly inconspicuous aids".
- Medical parameters - especially the amount of urine loss over 4 hours, the type of urine loss (e.g., gushing of about 200 ml) and, in the case of fecal incontinence, the frequency of occurrence.
Depending on the insurance company and the whim of the case worker, the following will happen:
a) The matter is simply approved and the health insurance company will notify you of a vendor who will supply the requested aid.
b) The health insurance company has it checked by the MDK. The MDK is usually on your side if they can verify what the justification says. However, the health insurance company does not have to follow the MDK's recommendation (but usually will).
c) The health insurance company refuses to reimburse the costs. This is usually a final refusal (this must be noted in the appeal instruction of the letter).
In case C, you can appeal the decision to the social court. The health insurance company almost always loses - especially if it made the mistake of not following the MDK's recommendation. By the way: The lawsuit costs you nothing.