At Best Latch, we are committed to delivering exceptional care with clarity and transparency. The following outlines our practice policies regarding scheduling, insurance participation, payments, travel fees, and refunds. By scheduling an appointment or receiving services, you agree to the terms below. Appointment Cancellations, No Shows, and Refunds Appointments must be cancelled or rescheduled with at least 24 hours’ notice to avoid a $100 late cancellation or no-show fee. Clients arriving more than 15 minutes late without notice may have their appointment cancelled or rescheduled and may incur the same $100 fee. These charges are the responsibility of the client and will be automatically charged to the credit card on file if unpaid within 7 business days. All payments—including deposits—are non-refundable. In addition, all products purchased from Best Latch, whether tangible (e.g., pumps, accessories) or digital (e.g., classes, eBooks, videos), are final sale and non-refundable. Travel Fees In-home visits are subject to a travel fee of $1 per mile round trip from your lactation consultant’s home to your location. If you live in a city or area without easy driveway parking, a $25 urban access surcharge will apply to account for tolls and parking expenses. These fees apply to all clients regardless of insurance or self-pay status. To avoid travel fees, clients may choose in-office visits at our Parsippany, NJ location or telehealth services when clinically appropriate. Insurance Participation and Client Responsibilities We are in-network with the following insurance plans: Aetna UnitedHealthcare (UHC) Blue Cross Blue Shield (BCBS) Cigna AmeriHealth IBX (Independence Blue Cross) We also partner with The Lactation Network (TLN), a third-party billing service, to assist with coverage for other PPOs, PPNOAs, and Anthem plans. This list is subject to change. We strongly encourage you to verify your insurance benefits prior to scheduling, including whether lactation services are covered, whether you need a referral, and whether prior authorization is required. If your plan requires prior authorization and it is not obtained before the visit, you may be responsible for the full cost of services, due within 30 days and subject to our self-pay policies. Copays and Deductibles All copays and applicable deductibles are due at the time of service, as required by your insurance company. This is a condition of your coverage agreement with your insurer. Registration Requirements All clients must complete a patient registration form and submit a valid government-issued ID along with a current insurance card before services are rendered. If you fail to provide complete and accurate insurance information, and your claim is denied or delayed beyond your insurer’s filing deadline, you will be financially responsible for the full amount. Claims and Out-of-Network Coverage If you are in-network, Best Latch will submit claims on your behalf and assist in obtaining payment to the extent reasonably possible. If you are out-of-network, you may choose between the following options: Pay upfront and have our office submit the claim. If we are reimbursed, you may be eligible for a refund of any balance covered by insurance. Pay upfront and receive a superbill to submit the claim yourself. In both cases, payment in full is required at the time of service. Please note: If your insurance reimburses you directly, no refund will be issued by Best Latch. Additionally, your insurer may require information directly from you; it is your responsibility to respond promptly to avoid claim denial. The balance of your claim remains your responsibility, regardless of whether insurance pays. Self-Pay Policy Clients who are uninsured or who choose not to use insurance are eligible for a self-pay discount, provided full payment is made at the time of service. If payment is not made at the visit, the discount will be void, and full charges will apply. Unpaid balances will generate a monthly statement and must be paid upon receipt. Accounts unpaid for more than 90 days may be subject to collection review. Collections and Discharge Policy If your account remains unpaid for more than 90 days, you will receive a letter or email notice giving you 30 days to pay the balance in full. Partial payments will not be accepted unless otherwise arranged in writing. If no resolution is made, your account may be sent to collections, and you may be discharged from our practice. If you are discharged, Best Latch will offer continued access to an IBCLC on a fee-for-service (self-pay) basis for 30 days, to support your care while you transition to a new provider. After this 30-day period, no further services will be provided unless your account is brought into good standing. If you have any questions about these policies, please reach out before your appointment. We are happy to assist in clarifying anything you may need to feel informed and confident about your care.