Oh.. I forgot. She did tell me that I need to stay "in our network" for the 95% coverage, so they must have a list. Hmmmm. Gonna have to check on that tomorrow.
That is *incredible* coverage to get your scooter! Most policies only pay up to 80% for in-network.
However, before you call The Scooter Store, please get the list of preferred providers for your insurance company. They will tell you who you need to deal with. Once you choose one of your providers from the insurance company's list, talk to the provider to 1) see what the process is; and 2) have them tell you exactly what the doctor's letter needs to say.
The reason I'm pointing these issues out is because of what I learned when I got my new power wheelchair last fall. Because of problems with Medicare fraud, most private insurers are now instituting policies to make sure that patients are really getting what they need and that they have a true medical necessity for such equipment. Even though this sounds like a pain as opposed to just calling somewhere, throwing down a letter, and saying "GIMMIE MY CHAIR!!!", it actually is more of a benefit to the *patient* because you are evaluated by a physical and/or occupational therapist and a decision for the proper medical equipment is made jointly with you and the therapist. You are also told exactly what the doctor's letter (prescription) needs to say, and a followup visit also includes a meeting with the equipment provider to make sure the *right* mobility device is ordered for you.
There will be more considerations that come up during this process - what you need for mobility, what will work best in your home and car, if you need any special seating options, etc. However, all this attention will make you even *more* satisfied with your mobility device once you finally get it, plus you can find out some "special" information along the way. You may learn from the equipment provider that a better piece of equipment could be available at the same price, for example, or learn why something you had your eye on might not be the best option for you.
Hope this helps!