
Some insurance plans cover lactation consultation costs, but it depends on the specific policy and provider.
Many insurance companies consider lactation consultations a necessary medical service, especially for new mothers.
According to the article, Blue Cross Blue Shield covers lactation consultations as part of their maternity benefits.
However, not all insurance plans cover lactation consultations, and some may require a doctor's referral or have specific requirements for coverage.
Insurance Providers
Aetna offers great coverage for lactation consultations, with up to 6 visits covered at 100% with no co-pay or cost sharing.
Some insurance plans, like Aetna, provide excellent coverage for lactation services, while others may have more limited coverage or even require that your lactation care provider be a doctor or nurse.
Unfortunately, not all insurance companies are on board with covering lactation consultations, and some may require preauthorization or limit the number of visits.
The Affordable Care Act mandates that health insurance plans cover breastfeeding support, counseling, and equipment for the duration of breastfeeding, but the specifics can vary depending on your insurance provider.
To find out what your insurance covers, you can call your insurance company and ask about your lactation coverage, or use a service like the Lactation Network to help navigate the process.
Here are some insurance companies that have been known to offer good lactation coverage:
- Aetna: Offers up to 6 visits at 100% coverage
- Other insurance companies may have varying levels of coverage, so it's essential to check with your provider to see what's covered.
Remember, you have the right to breastfeeding support under the Affordable Care Act, so don't be afraid to advocate for yourself and your baby's needs.
Insurance Coverage
Insurance coverage for lactation consultants can be a bit of a maze to navigate. The Affordable Care Act mandates that health insurance plans cover breastfeeding support, counseling, and equipment for the duration of breastfeeding. This means that most insurance plans should cover lactation consultations, but the specifics can vary greatly depending on your insurance plan.
Some insurance plans have great coverage, with up to 6 visits without co-pay or cost sharing, and plenty of in-network providers to choose from. Unfortunately, others have more limited coverage, requiring that your lactation care provider must also be a doctor, physician assistant, nurse practitioner, nurse midwife, or registered nurse.
You can check your coverage by filling out a request form with your name, contact information, address, and some supplemental information. This will allow the lactation consultant to confirm your coverage with your insurance. If you're not covered by the lactation consultant, you may be able to see them on a cash basis and submit a superbill to your insurance for reimbursement.
Here are some common types of insurance coverage for lactation consultations:
It's also worth noting that some workplaces offer their own healthcare solutions to cover postpartum care, including lactation consultations. If your workplace doesn't offer this, you may be able to ask them to implement a program like Newborn Families.
Lactation Consultation
Lactation consultation is a crucial part of breastfeeding support, and fortunately, many insurance plans cover it. Your in-network ob/gyn or pediatrician may offer lactation consultant services through their office, and you may be eligible for up to six visits.
The Affordable Care Act mandates that health insurance plans cover breastfeeding support, counseling, and equipment for the duration of breastfeeding. This means that you can usually count on your insurance to cover lactation consultations.
Some workplaces even offer their own healthcare solutions, like TLN's Newborn Families program, to cover their employees' postpartum care. This can include lactation benefits, so be sure to check with your employer.
Once your coverage is confirmed, a TLN IBCLC will contact you to schedule a consultation and evaluation. Meeting your IBCLC for a prenatal lactation consultation, before you start breastfeeding if possible, can set you up for success.
Insurance Issues
Insurance Issues can be a real headache, especially when it comes to lactation consultations. The Affordable Care Act mandates that health insurance plans cover breastfeeding support, counseling, and equipment for the duration of breastfeeding.
Some insurance plans have great coverage, offering up to 6 visits without co-pay or cost sharing, and plenty of in-network providers to choose from. Aetna is one example of an insurance company that provides good coverage.
Others, like Tricare, require that your lactation care provider must also be a doctor, physician assistant, nurse practitioner, nurse midwife, or registered nurse. This can limit your options and make it harder to get the care you need.
If your insurance company denies your claim, don't worry - Breastfeeding Success has a team of billing specialists that can help you appeal the decision. They'll work on your behalf to resolve the issue.
It's also worth noting that you can use your flexible spending account (FSA), health savings account (HSA) or health reimbursement arrangement (HRA) to cover lactation services. An itemized medical receipt or "superbill" from your lactation consultant can help you get reimbursed.
Here are some questions to ask your insurance company to find out about your lactation coverage:
- What services are covered?
- How many visits are allowed?
- Are there any out-of-pocket costs?
- Can I see a lactation consultant in-network?
You can also contact the National Women's Law Center for more information and assistance with appealing denied claims.
Frequently Asked Questions
Are lactation consultants expensive?
Lactation consultants' fees typically range from $150 to $350 per hour, but some insurance plans may help cover the cost. Check your insurance coverage before seeking a lactation consultant's services.
Sources
- https://www.breastfeedingsavvy.com/insurance-and-f
- https://www.bfsuccess.com/breastfeeding-support-services/lactation-consultation-cost-and-insurance/
- https://www.fullheartscollaborative.com/blog/using-your-insurance-to-cover-lactation-care
- https://www.aetna.com/individuals-families/womens-health/breast-pump-coverage-and-breastfeeding.html
- https://lactationnetwork.com/blog/how-to-book-a-lactation-consultation-through-insurance/
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