Making Sense of Insurance Coverage for Lactation Care

Your goal as a lactation consultant is to provide the best care you can to the families you serve, but far too often, insurance companies make this easier said than done.

The Affordable Care Act did some good in stating that lactation services would be covered, but because of the vagueness of the phrasing, there is no clear consensus among insurance companies and providers about what this should look like in reality. 

Annie and Leah provide some tips for listeners who want some help navigating this topic in order to focus on serving their families better.

“Everybody needs help.”

 

In this episode, we will cover:

The Affordable Care Act says that “lactation services are covered” but doesn’t specify who the providers should be, what the timing should be, or who should determine if the services are needed
Insurance companies only want to cover the lactation consulting services at the hospital immediately after birth and at the pediatrician’s office, so they are quick to deny coverage for anything outside of those instances
The National Women’s Law Center, however, provides scripts for families to use when talking with their insurance companies to ensure coverage of lactation consulting services
Typically, the consultant handles in-network insurance claims and agrees to the insurance company’s prices for their services and the consultant provides a superbill to clients who are out-of-network for the client to submit to their insurance company
The providers feel obligated to provide services to clients regardless of their insurance status because it is a right
Sometimes out-of-network insurance companies will call or write to argue with your billing amounts
It is unclear whether it is more successful for the provider or the client to submit the superbill to an out-of-network insurance company
Leah talks about the benefit of looking at your average payout versus your per-consult payout to assess how your business is working with insurance and self-paid clients
Annie recommends the diagnosis code of Z39.1 and the procedure code of either S9443 or S99404 because these are the most conservative and hardest for the companies to argue with
It is important to ethically bill your clients and seek information from a variety of sources

 

This episode is sponsored by Acuity Scheduling for forms and payments – They are providing LBC podcast listeners with a 45-day free trial at this link.

 

Links and Resources

National Women’s Law Center toolkit
Rebecca Costello’s Billing Content
Lactation Business Coaching website
Lactation Business Coaching Facebook
Subscribe to the Deeper Dive Membership: https://learn.paperlesslactation.com/subscription/deeper-dive-membership

Have an idea for a podcast episode or a Deeper Dive? Let us know! https://learn.paperlesslactation.com/form/collaborate

 

If you like what you heard today, please follow us on Facebook and Instagram and leave us a review on iTunes.

 

About Us

Leah Jolly is a private practice IBCLC with Bay Area Breastfeeding in Houston, Texas.

Annie Frisbie is a private practice IBCLC serving Queens and Brooklyn in New York City and the creator of the Lactation Consultant Private Practice Toolkit.

Many thanks to Stephanie Granade for her production assistance, and to Silas Wade for creating our theme music.

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