Insurance Billing

Aetna

Snohomish Valley Breastfeeding is an in-network provider with Aetna insurance and we will submit claims directly on your behalf. Aetna will typically cover 6 lactation visits.

Anthem, Cigna, United and BCBS

Snohomish Valley Breastfeeding has partnered with Lactation Network! This is an incredible organization that helps moms and moms-to-be get the breastfeeding support they deserve, covered by their insurance.


The Lactation Network guarantees every approved mother three 90-minute lactation consultations with a registered IBCLC, like me, at no out-of-pocket cost. They handle the paperwork and bill your insurance directly.

The Insurance Plans that are included are below. However, not every policy in these groups is eligible. Therefore, it is very important to fill in the insurance verification form to have your insurance verified and your visit approved.

  • BCBS PPO

  • Anthem BCBS PPO

  • Cigna PPO

  • United PPO

Private Payment

For out-of-network clients, payment is due at the time of booking. Snohomish Valley Breastfeeding accepts payment by all major credit cards. Many of our clients pay for consultations with a Health Saving Account (HSA) or Flexible Spending Account (FSA) credit card. If you have a HSA/FSA, lactation consultations should be considered a qualified medical expense. 

If you need to make other payment arrangements—including payment by cash or check—please connect with us to discuss options.

For all insurance plans (with the exception of Aetna and those billed by TLN), Snohomish Valley Breastfeeding is considered an “out-of-network” provider. “Out-of-network” providers are not typically fully covered by your health plan and you are often responsible for greater cost-sharing or even the entire cost of the visit. You can contact your insurance company to verify your benefit coverage and cost-sharing for an out-of-network lactation consultant. If your insurance company and policy are required to follow the ACA guidelines and they don’t have any lactation consultants in-network, they generally must cover services from an out-of-network provider without cost-sharing. This is sometimes referred to as “gap coverage.” Some insurance policies require a licensed provider, such as an RN-IBCLC. If that is the case, please let us know and we can direct you to schedule with an appropriate provider.

Snohomish Valley Breastfeeding provides all out-of-network clients with a “superbill” or detailed receipt which you may submit to your insurance for possible reimbursement depending on your policy. This will be sent to you within one week of your consultation.

For more information, the National Women’s Law Center has a very helpful toolkit and a Sample Letter for Lactation Consultant Coverage that can be downloaded and used to support your efforts for coverage.

 

I believe all mothers, regardless of income, should have access to quality lactation care. Feel free to contact me if you need to discuss alternative payment options (I can arrange payment plans for families in need) or would like information on other sources of community-based support.