Frequently Asked Questions

Do you take insurance?

Fourth Trimester Doc accepts patients whether they have insurance or not and regardless of their insurance plan.  We are considered out-of-network so do not participate in any insurance plans. We cut out the middle man as they limit the way in which we are able to provide the care that we feel you deserve.  We provide you with a superbill so you can submit the claim yourself or use Reimbursify to help you submit. We find that most people are able to get a significant portion of the payments reimbursed as they usually meet their deductibles with the birth of their child. In addition, all of our postpartum, lactation, and newborn services are considered preventative care so many insurance carriers cover most of the cost after you have met your out-of-network deductible.  We recommend calling your insurance company to discuss your specific contracted coverage.

Another option is we are also contracted with The Lactation Network who bills insurance for about half of our costs (this portion has no cost sharing so that portion is completely covered and does not go towards your deductible).  If going this route, we charge just $985 for the full 4th Trimester package or $197 per visit for the physician fee (within a 20min drive radius, if additional drive time is needed, there will be a higher fee).  TLN pays for the lactation consultant level portion of the visit.  As physicians, we also charge the physician fee for each of our visits to cover our medical expertise, diagnosis, prescription and lab recommendations, more complex decision making, our expenses for physician level malpractice coverage, e-prescribing, and physician licensing fees.  Using this approach you will get the most advanced level of care at a fraction of the cost. To see whether your insurance covers the lactation consultant level portion of the cost through TLN, you can put your info in here.  

How do I sign up?

Click on the link on the services page to schedule your first appointment either for the Fourth Trimester Care Package or for an individual consult for Lactation Medicine, Perinatal Mental Health or Integrative Medicine.

Are vaccines covered by the package fee?

Vaccines are not covered by the package fee.  There are various ways to arrange insurance coverage for the cost associated with immunizations and we work with families to create a customized solution.

How do I pay?

You can pay via ACH transaction, HSA/FSA (see below) or credit card.

Do I still need insurance?

Yes, Fourth Trimester Doc is not a substitute for health insurance. Please consult with a financial advisor or a representative from your insurance company to guide your plan choice.

What services are not covered?

We offer discounts for cash-pay out-of-office labs, radiology, supplements/herbs and medications if you don’t want to use your insurance or don’t have insurance.

Can I use my HSA or FSA to pay for the services?

You may want to check with your human resources department regarding the use of Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) as possible payment options. If you are unable to use these funds to pay for the fee directly, there is a good chance that you can still use your HSA/FSA as reimbursement for certain services.

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