Call your insurance company and ask what your policy covers for breastfeeding support and counseling. Also ask if they require you to see someone in-network, and if so, who your in-network options are. If you have no in-network options, ask how much money they will reimburse you for obtaining breastfeeding support and counseling from an out-of-network provider. (Mama Bear Family Care is an out-of-network provider.). Finally, ask what the procedure is for submitting a Superbill for reimbursement after seeing an out-of-network provider.
It is important that you understand what the health insurance requirements are and how to make use of the coverage you may have available. Here's a great blog post written by an IBCLC explaining "How To Get Reimbursed for an IBCLC Home Visit." The National Women’s Law Center Tool Kit for Breastfeeding Mothers is another helpful resource to read over.
Mama Bear Family Care accepts cash, check, and credit card payments, with balances due on or before day of service. Lactation counseling is an acceptable use of Health Savings Account (HSA) funds, for families who may wish to use them.
In addition, we will provide a Superbill upon request that identifies services provided by name and health insurance code, as well as prices paid. Clients will be responsible for submitting this Superbill to their own insurance company in order to seek reimbursement. Under the Affordable Care Act, most families should have health insurance coverage for lactation counseling. Unfortunately, there are a few loopholes that exist. And sometimes families need to re-submit claims more than once before they are paid. We will do what I can to help you get reimbursed, but it will be up to you to deal with your insurance carrier directly.