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July 14, 2016
The answer is the Affordable Care Act (ACA). This pass in legislation allows insurance recipients to receive more benefits that are completely covered by your insurance. If your plan is ACA compliant, then Aeroflow is able to assist expecting moms for little or no cost!
The Affordable Care Act mandates that all health insurance plans provide breastfeeding support, counseling, and equipment for the duration of mom breastfeeding. The plan does not always stipulate when the services may be rendered. Some polices will mandate needing a prescription with shipping constraints. This can mean anywhere from one month prior to due date to after the baby is born. While other policies will cover at 100% and can ship at any time during the pregnancy.
The only exception to the ACA is the grandfathered plan. Grandfathered plans are older policies, normally through employers, that had the option to opt out of being compliant with the Affordable Care Act. It is still likely that if the policy is grandfathered that insurance will still cover the breast pump!
Prior authorizations are required for other insurance plans, typically found in Medicaid plans. This means an OBGYN would need to write a prescription deeming why the mother would need a breast pump. The prescription would be sent to the insurance, who would then decide if it is acceptable for mom to receive one. Once approval is received, the mother can proceed with placing her order!
Not to worry moms, Aeroflow also submits the claims for you! This lessens the stress for new moms. These transactions solely occur between the durable medical equipment provider and the insurance company. This creates a smoother process for all involved and less paperwork for mom! Aeroflow has contracted rates with the insurance policies that are in network. This agreement allows Aeroflow to ensure what breast pumps will be covered under a mom’s policy. The payment processed from the claim goes to Aeroflow and this keeps moms from any type of bill from the insurance company.
If you are interested to see if you insurance plan is ACA compliant, and need a breast pump, Aeroflow can help! Aeroflow is able to verify if your insurance policy does cover a breast pump. Brands ranging from Medela, Spectra, Lansinoh, Ameda, and many more are at your fingertips!
All mom needs to do is fill out the Qualifying Through Insurance form! Be sure to provide your complete insurance information, along with your doctor’s information – for prescription requests. This allows the representative to process your insurance promptly. Let Aeroflow do the work for you!
Information provided in blogs should not be used as a substitute for medical care or consultation.