Insurance Companies...and BF

Avatar for cl_sunny_side_up
iVillage Member
Registered: 03-25-2003
Insurance Companies...and BF
19
Wed, 05-21-2003 - 4:04pm
Have been thinking of something and don't know if it's been discussed or not.

I believe that if insurance payed a portion of or you paid a co-payment for lactation consultation or similar support and help from an expert......would more women seek the help they needed??

I know I would have. I forked over a TON of money for a lactation consultant, the formula feeding mechanism that goes against your nipple, and a pump. I was lucky in that I had been in disability and so was still receiving a pay check.....so we could afford it. But it was several hundred dollars. How many people have that money??

BF advocates should be lobbying the insurance companies...THEN...maybe a change in societal attitude would begin.


christine


~christine~

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iVillage Member
Registered: 05-08-2003
Wed, 05-21-2003 - 4:25pm
Yes, I think those who desired to bf'd would benefit greatly from this insurance coverage. Many don't have the extra dollars you are talking about to put out. Sure, the arguement can be made about the cost of formula, but that trickles over a year or more time table as opposed to lump sums in the first few weeks of motherhood. Big difference when you are talking paying out x amount today and x amount tomorrow and spanning it over 52+ weeks.
iVillage Member
Registered: 03-26-2003
Wed, 05-21-2003 - 4:27pm
It would make a difference.

I think it's similar to other services. I had GD and my OB referred me to a nutritionist, but my insurance wouldn't pay for the consult.

http://www.breastfeed-essentials.com/lactationconsultant.html


Unfortunately, most of the time it does not. However, lactation consultants can provide you with insurance codes to submit to your insurance company. These service/equipment- specific codes make it much more likely that your claim will be approved. Some lactation consultants will even provide you with insurance forms - super bills - to submit to your insurance provider while still others may even submit the claim for you. It is sometimes helpful to obtain a physician's letter or prescription for a lactation consultant services and/or breastfeeding equipment and submit this with your claim.>

Some other places for bf help are: hospital based bf clinics, LLL, internet support but none of these is enough if you really need hands-on professional help.




Edited 5/21/2003 4:28:52 PM ET by pknblue

iVillage Member
Registered: 05-08-2003
Wed, 05-21-2003 - 4:37pm
I'm borderline gestational diabetic and my insurance gave me a brand new FREE accucheck machine and I just pay co-payments on the test drums and lanelet needles. I was thrilled w/my insurance company and pleasantly surprised!

As an aside, I've been so upset since diagnosed, we have no family history so I feel that is a good thing. I just want to deliver this baby, the gestational diabetes go away so I can resume a normal life style!

Waiting on that ice cold 2-liter of pepsi, one straw please, I will not share lol

Avatar for cl_sunny_side_up
iVillage Member
Registered: 03-25-2003
Wed, 05-21-2003 - 4:42pm
Have you ever thought that you might not like Pepsi as well as before?? I keep laughing and reading your posts about you and your gestational diabetes. I mean.....I don't know how you do it....well, I guess you have no other choice really if you want a healthy pregnancy. But, I have been known to eat an entire chocolate cake while pg......yes, gaining 50lbs. Anyway, when I suspected I was pg....even before I missed my period....I cut out all caffeine and haven't gone back. That was over 5 years ago. I did get the cravings during my first pg but that was it. I remember taking a drink of my dh's Pepsi a little while after my first was born, and had to spit it out. It tasted terrible. I had gone so long without it that the syrup was just too much for me. I STILL to this day don't drink caffeine.....or any cola-type beverage......Ooooh, YUCK!! LOL....


christine


~christine~

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Registered: 05-08-2003
Wed, 05-21-2003 - 4:51pm
My mother keeps telling me I just may not want that pepsi, I may not want that chocolate brownie, that pizza may not be so great tasting. Well, I'm sorry, I just don't believe her! lol I've been on diets before (deprived yes, but had the freedom to eat it if I wanted, whole different concept) and I've never lost the taste for any of it. It if I I will be shocked for sure.

Entire chocolate cake? Can you descibe that and send "smell vision" lol It is very hard and I have my good days and bad days. Really bad depression, showing signs of ppd, which I didn't have with my first pregnancy at all (of course, I wasn't gestational diabetic with first either). I just want the freedom to eat what I want when I want, being restricted is hard.

I'll report back to you in a few weeks but I'd be willing to place a bet I'll be snorkeling thru about my 3rd or 4th pepsi by then lol (liters, not cans, they are too small).

Avatar for dklauduc
iVillage Member
Registered: 03-26-2003
Wed, 05-21-2003 - 8:47pm
One point to make that not many people realize is that pump rental and some lactation services can be submitted to a flexible spending account for reimbursement. It's certainly not like having the whole thing covered but it's like getting a 1/3 discount. Every little bit helps.

Dana

 Dana, mom to Kevin (10/24/01) and Jason (10/15/04)

Avatar for cl_sunny_side_up
iVillage Member
Registered: 03-25-2003
Wed, 05-21-2003 - 8:58pm
But a flexible spending account is still your money...kwim?? You submit charges but you still pay for everything first.

I understand what you are saying....we use our flexible spending account for prescripts and alot of other stuff.

I guess I was more looking for lactation consults being more like DR visits...co-pays apply.


christine


~christine~

iVillage Member
Registered: 03-26-2003
Wed, 05-21-2003 - 9:15pm
I sort of agree with you and sort of not. I mean yes, ideally it's nice to get things paid for or help with them, but I also think it's really "cheap" and silly of someone to say "I won't pay 70$ for a lactation consult" but then go and say "hey, formula's only 15$ a can" (hello? you'll need more than one can for a year!).

I do think that perhaps if a person needs a lot of LC help and long-term help paying for a pump for a preemie or something, that insurance companies should help pay, but for one visit to correct a latch problem when you may never see the IBCLC again, even if it's like 70$, is a bit silly in some ways. It's a bit of a bigger sum than one can of formula, so it's a bit harder to cough up when you're on a slim budget, but the LC's I know are nice about taking post-dated cheques if it's really a financial problem, etc.

On a different insurance note...every time I take out life insurance or re-negociate or whatever for new life insurance, I ask if I get a rebate b/c I bf. They always look puzzled, but then I say "well, supposedly I'm at less of a risk of getting several cancers, my children are at less of a risk for various illnesses...shouldn't that be rewarded?". :-) One fellow said "good point, you should contact the head office of the company!" and another kind of embarressedly snickered and didn't comment. LOL.

Fio.

Avatar for cl_sunny_side_up
iVillage Member
Registered: 03-25-2003
Wed, 05-21-2003 - 9:26pm
I paid 75.00 nearly 5 years ago. I would think the price had gone up since then. Also, I don't think it's silly if it's just one consultation....however, I doubt it would be. It wasn't for me anyway. If for no other reason than piece of mind.

Also, 70.00 upfront is MUCH different than say....15.00 for a can of powder that will last a newborn a week.


LOL.....regarding the insurance. Good Luck, Fio. I don't think you're wrong.....just a little too far ahead for everyone else....lol. I get a discount for not smoking..why not??


christine


~christine~

iVillage Member
Registered: 03-26-2003
Wed, 05-21-2003 - 9:56pm
"LOL.....regarding the insurance. Good Luck, Fio. I don't think you're wrong.....just a little too far ahead for everyone else....lol. I get a discount for not smoking..why not?? "

Exactly my point. ;-)

But are you comparing bf to not smoking here? ;-) D&R...

Anyhow...I totally understand your point on the 75 vs 15$. But I do hear it out of people who are not on a slim budget too, as if it was going to put some major problem out for them to fork out the 75$ when they buy hi-fi stereos all the time, etc.

I mean, priorities, people???

;-)

IMHO it could very well just be a bad excuse for quitting something they didn't want to do to begin with...

Fio.

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