Parents faced with feeding their baby's Neocate are often struck by its cost. What’s even more striking is the fact that nutritional products like Neocate aren’t covered except in unusual circumstances. And at over $500 a month for the typical 4-month-old baby this can represent a real burden for some families.
So what can you do? I’ve seen lots of ideas fall flat but there’s one that seems to do the trick if you can pull it off. If you work for a moderate-sized company approach the most senior member of human resources and discuss your dilemma. Ask if they would be willing to discuss the case with the insurance carrier’s representative. The insurance companies know that the HR folks have an impact in choosing next year’s insurance carrier for the company. And no one wants an unhappy customer. As a rule, a health insurance company would rather cover your formula cost than lose all the insured bodies of your company.
Of all the Neocate insurance hacks that I’ve seen, this one seems to be the most reliable.