COST SHARING:
If your policy applies a co-pay, co-insurance or deductible, you will be responsible for paying for these charges.
For plans we are in network with, usually, services are covered at 100% under the mother, but sometimes there is a deductible, co-pay or co-insurance. These charges most commonly apply to baby; however, they may occur on mom in some plans.
Please contact your insurance company to find out if your services will be subject to a deductible, copay or coinsurance. When speaking with them, you can reference the codes we use for our services.
- Home visit codes: 99345/99350, s9443, 99404
- Office visit codes : 99205/99215, s9443, 99404.
Understanding co-pays, co-insurance and deductibles
CLAIM PROCESS:
If we are in network with your insurance company, claims for your care will be sent directly to your insurance company. The Affordable Care Act (ACA) states that lactation services are preventive and not subject to cost sharing; however, not all plans are subject to the ACA. If your plan is subject to the ACA and the plan applies cost-sharing to your claim, we will submit one appeal for you and wait to receive the final Estimation of Benefits (EOB) before collecting any cost-sharing amounts. If you have a self-funded, ERISA (Employee Retirement Income Security Act), and other plan that does not comply with the ACA, an appeal will NOT be automatically filed, and we will collect any cost-sharing amounts upon receipt of the Estimation of Benefits (EOB) by BCB.
If any part of either the parent or babies’ claims are applied to cost-sharing, you understand that you are required by law to pay cost-sharing to BCB, and we are required by law to collect these fees. If your insurance provider applies any portion to deductible, coinsurance or copay and our appeal attempt is unsuccessful, BCB will charge your credit card on file. If that charge is unsuccessful for any reason, you will be invoiced, and you agree to pay within 7 days for all applied charges for all visits. If our appeal is successful and we have already charged you for cost-sharing, you will be refunded any amount of the cost-sharing that BCB recovers from your insurer.