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Lee selected a supplier near his Fairfield, Conn., home that he described as a “medical Disneyland” of assistive devices. Although it was convenient, the supplier didn’t accept his insurance. He paid about 0 for the boot and used his flexible spending account to cover the cost.

To make matters more confusing, hospitals, urgent care centers and physicians may themselves negotiate with insurers or Medicare to become an approved supplier of medical equipment for their patients, or they may contract with a medical supply company to provide those items.

Wanda Wickizer didn’t know what to think when her 23-year-old daughter got a bill from a medical supply company for a wrist brace she received at an urgent care center after falling down stairs at a friend’s house in Norfolk, Va.

The company was in her daughter’s insurance network, as it turned out.

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Commentary: Could Rudy Giuliani be doing it right?

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