Payment Policies

Self-pay (out-of-network) clients: 

I will provide you with a superbill suitable for you to submit to your insurance. The superbill (which will also serve as a payment receipt) will be coded appropriately to the level of service provided during the visit.  A credit card will be put on file to book the consultation in the event of a cancellation. However, the credit card will not be charged until after the appointment or at the time of the appointment. If you do not pay at the time of the appointment, you will be sent an invoice with 3 reminders. After the third reminder, I will charge your card on file to pay for the consultation.

Insurance (in-network) clients: Claims for my care will be submitted directly to The Lactation Network. Mums Lactation will appeal all cost-sharing under the Affordable Care Act which states that lactation services are preventive and not subject to cost-sharing. If my insurance provider applies any portion to deductible or coinsurance and appeal attempts are unsuccessful, my credit card on file will be charged. If that charge is unsuccessful for any reason, I will be invoiced and I agree to pay within 7 days for all applied charges for all visits.

Mums Lactation will submit a claim on behalf of myself and my babies. If any portion of either claim is applied to cost-sharing, I understand that I am required by law to pay cost-sharing to Mums Lactation. My credit card will be charged upon receipt of the Estimation of Benefits (EOB) by Mums Lactation. Every effort will be made to have my insurance recognize these claims as preventive and not subject to cost-sharing, and an appeal will be initiated. If successful, I will be refunded any amount that Mums Lactation recovers from my insurer.

If one of us (me or my baby) is on different insurance and therefore out-of-network for Mums Lactation, I agree to pay $XX per visit. I will receive a superbill for this amount and can submit for out-of-network insurance. 

If I have different primary insurance that is out-of-network for Mums Lactation, I understand that I must pay the full self-pay fee up front as a deposit. I will not be refunded for any amount either insurance applies to cost-sharing. I will only be refunded if and when Mums Lactation​ receives payment directly from either insurance, and only for the specific amounts paid by my insurance(s). Mums Lactation may keep any amount paid by my insurance(s) over and above the deposit I paid.

Mums Lactation ​is providing care to me and to my baby or babies; together we are all the client of Mums Lactation​.  

If my location has a travel fee applied, I understand that this is not eligible for insurance reimbursement. 

I am responsible to verify my own lactation benefits. Mums Lactation can only see that I have benefits, they cannot see if I have any special circumstances that might prevent my insurance provider from covering services. If my plan denies coverage of lactation services after the claims have been submitted, I am responsible to pay at the self-pay rate. I understand I should refer to my plan benefits and call my insurance directly to verify lactation coverage.

Mums Lactation may communicate with my insurance company in reference to the services provided to me and my baby or babies.  Mums Lactation may communicate with my credit card company or bank for any payment related matters.  It is my responsibility to provide accurate and current payment and insurance information. I will update my credit card information as needed and am responsible for any costs and fees associated with my failure to provide updated information. 

These policies apply to Mums Lactation and its representatives.

SquareUp: Payments may be made electronically using a credit card or fund transfer.  I use SquareUp to process payments. SquareUp meets the high standards of HIPAA and the banking industry for security and privacy with regard to financial transactions.  However, SquareUp may send, automatically or per your request, email or text message receipts that reveal personal health information such as the date and type of lactation visit.   If you are not comfortable with this, payment may be made via cash or check instead. 

Cancellation policy: Client is responsible for all charges associated with this visit. If the client cancels, reschedules, or does not show with less than 24 hours notice, the client's credit card on file will be charged the full price of the visit.