I just read on someone's blog that because they have low milk supply their insurance covers the cost of their formula? This person has BCBS of NJ. I live in NY and have never heard of this. Can anyone shed any light on this?
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No personal experience with this, but if it was for a diagnosed medical condition, it seems like something there might be coverage for in some policies - either based upon the mother's or child's insurance.
Another option might be to pay using a flex or health spending account. If the doctor prescribed the formula, you might be able to use these pre-tax accounts.
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I asked my pediatrician about this during DDs first appointment. I had breast cancer and after my surgeries it is physically impossible for me to BF (http://www.hellobee.com/2012/11/02/my-nonexistent-breastfeeding-journey/). She said she couldn't write a prescription and insurance won't cover it.
Ughh so now I'm "taxed" for one year for having cancer...awesome.
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Wow, that's awesome. I have BCBS... but I don't have problem breast feeding. That's really great for that person who was able to get her baby's formula covered. I had my oldest's hypoallergenic formula (Alimentum) covered b/c of his dairy and soy protein allergies. It took about 2 months to get all the documents sent and reviewed but they did cover it. Just not the two months when they were reviewing it. Better than nothing.
@luckypenny: That sucks that your LO's ped won't write a prescription. Did you try calling your insurance company directly to ask? With the suggestion of my son's allergist, I called our insurance company to find out and it turns out they do, but they needed a letter from my son's allergist to confirm that he was, in fact, dairy and soy allergic.
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i work for an insurance company and i know that sometimes, if deemed medically necessary, the insurance/employer will cover the cost of formula. (i work for a self-funded insurance company, so it may be different than a regular HMO, as the employer pays the bills). if you need formula, for a medical reason, it doesn't hurt to call the insurance company to find out what their policies are on an out-of-plan authorization.
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the only people i know who have had their formula covered are people with LOs that had a medical need for special formula. like alimentum, which is crazy $$$$. i would fill that script like any prescription at the pharmacy & they'd have cases of it behind the counter. i assume it's not uncommon because i'd see other piles of cases waiting to be picked up.
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