Coverage Resources
Information on insurance, HSA/FSA reimbursement, and documentation to support your coverage requests.
Understanding Coverage
Pay Directly with Your HSA/FSA Card
Milkify Medical accepts HSA and FSA cards directly at checkout through Flex — no reimbursement paperwork required. To pay with your HSA/FSA card, you may need to click “check out as a guest” at checkout (Shop Pay's express checkout does not display HSA/FSA payment options), then select “Flex | Pay with HSA/FSA” as your payment method.
Coverage Is Case-Dependent
Coverage for breast milk freeze-drying services varies by insurance plan and individual circumstances. There is no universal coverage guarantee, and commercial insurance coverage can be difficult to obtain.
HSA/FSA Reimbursement
HSA (Health Savings Account) and FSA (Flexible Spending Account) reimbursement may be a more realistic path for many families. These accounts may cover medically necessary services when supported by appropriate clinical documentation.
Documentation Improves Chances
Clinical documentation — including a Letter of Medical Necessity from the prescribing provider and supporting clinical records — can significantly improve the chances of coverage or reimbursement. The stronger and more detailed the documentation, the better.
Documentation Support
Milkify provides a Letter of Medical Necessity template that your provider can customize. This template includes relevant ICD-10 diagnostic codes, clinical rationale, and supporting evidence to strengthen your coverage request.
Encouraged Enclosures
When submitting a coverage request, consider including:
- Relevant clinical notes
- Growth charts
- Feeding logs
- Failed formula/fortifier documentation
- Lab results
- Prescription