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We did neocate and paid out of pocket for it.

Nutramigen and we pay out of pocket.

M was on nutramigen and our insurance covered it. I had to fax them a prescription from the pedi and then find a medical supply company (I think the insurance company website had a list of companies) to actually send us the formula. They contacted the insurance company and got approval and started sending us the formula. Every month I would call the medical supply company, they would get re-approval from my insurance company and send the formula.

I was shocked that our (not so great) insurance company covered the formula 100%. When I called to get her refill for September they told me that our insurance company refused to pay. After a few weeks of phone calls the company told me that they had a new policy and would need repeat visits with a GI specialist, an allergist and a nutritionist and documented evidence that we had tried a traditional formula and failed every few months. Luckily M turned 1 at the end of September and did fine with cows milk. I was literally on the last can of Nutramigen and didn't have to buy any! I think they were just going to make us jump through hoops because they didn't want to pay for it.

We ended up stopping at gerber good start (thank goodness) but had we gone one step further to hypoallergenic it would have been nutragimen (sp?)