Desiree writes:

I have  warned moms that I will submit to insurance, but as the companies 
and I learn  the ropes, it will probably take 12-16 weeks for  reimbursement.
 
~~~ Thank you for all this info. You've been really working hard to get  
this going. Those moms are, I'm sure, very grateful. My question is how do you 
 live while waiting 12-16 weeks to get paid? Since we live week to week 
here,  basically check to check, I can't figure out how to make this transition 
and  still be able to buy food and pay bills which will not wait 12-16 
weeks to be  paid. I know there must be others who are struggling similarly. 
Small business  loan? I have talked about working cooperatively with other 
IBCLCs but nothing  has worked out ( yet anyway.) I suppose if I were actually 
charging 150-300 per  hour my overall intake would be very different. I have 
so many clients who no  matter what we do, never get paid. I have concerns, 
since for them it is one  bill in a year, but for me that could mean many 
fees never paid. It's  amazing to me that an insurance company that received a 
bill for IBCLC services  for something like 300-450-600 dollars for one 
visit ( initial visit of 1  1/2 -2 hours), would pay all but 5 dollars of that. 
They rarely reimburse for  the usual lower rate of $225.  Or are your visit 
lengths different?
 
Thanks again,
Peace,
Judy

 
Judy LeVan  Fram, PT, IBCLC, LLLL
Brooklyn, NY,  USA
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