Policies

Cash-Pay Clients

Full payment is required to book a lactation consultation unless alternative payment arrangements have been approved in advance. A valid credit card must remain on file for all clients.

Z Rose Wellness accepts credit card, cash, check, Venmo, and bank transfer. If you choose not to pay electronically, please contact the office before booking so alternative arrangements can be made.

Z Rose Wellness uses Square to process credit card payments. Electronic receipts may be sent by email or text and may include limited information about the date and type of visit.

No refunds are provided. If you book and pay for the wrong appointment type or later decide to use insurance instead of self-pay, your payment will not be refunded. When appropriate, the payment may be applied toward another eligible Z Rose Wellness service.

Please provide at least 24 hours' notice when cancelling or rescheduling an appointment. Cancellations made with less than 24 hours' notice are subject to a $100 cancellation fee. Missed appointments may be charged in full.

Appointments may be rescheduled within 90 days of the original appointment date. Payments from appointments cancelled with more than 24 hours' notice may be applied toward a future Z Rose Wellness service within 6 months.

Clients are responsible for all charges associated with their services. Z Rose Wellness may charge the credit card on file for outstanding balances and applicable cancellation or missed-appointment fees. If an outstanding balance remains unpaid for more than 24 hours, Z Rose Wellness reserves the right to charge the card on file.

Upon request, Z Rose Wellness will provide a superbill for cash-pay clients to submit to their insurance company. Z Rose Wellness does not guarantee insurance reimbursement. Clients are responsible for verifying their own insurance benefits, coverage, eligibility, authorization requirements, and reimbursement rates.

Insurance Clients

Z Rose Wellness partners with Lactation Consultants of America (LCA), a nationwide group practice of in-network lactation providers, to provide eligible clients with lactation care using their insurance benefits.

Clients who choose to use insurance through LCA will be clients of LCA, with lactation services provided by Z Rose Wellness. LCA will handle insurance billing and will be the client's point of contact for insurance and billing questions.

Clients will complete the required intake and billing forms directly with LCA and will have their financial agreement with LCA for insurance-billed services.

Clients should expect to receive a bill from LCA for any patient responsibility determined by their insurance company. This may include responsibility for services provided to the parent and baby when applicable.

Clients will not receive an additional bill from Z Rose Wellness for 1:1 lactation services that are billed through LCA. Separate fees charged directly by Z Rose Wellness, such as applicable home-visit convenience or travel fees, are not included in LCA's billing and will be billed separately.

LCA's payment policies and financial agreements apply to insurance-billed services. Insurance coverage and patient responsibility are determined by the client's individual insurance plan and are not guaranteed by Z Rose Wellness or LCA.

For questions before scheduling, please contact LCA at patient.relations@lcsofamerica.com.

For billing or insurance questions after your appointment, please contact LCA at benefits@lcsofamerica.com.

General Information

Clients are responsible for providing accurate and current contact, insurance, and payment information.

Z Rose Wellness may communicate with LCA, your insurance company, payment processor, or financial institution as necessary to coordinate services, billing, and payment.

Z Rose Wellness provides care to the parent and baby or babies, who are collectively considered clients of Z Rose Wellness.

By scheduling or receiving services, you acknowledge that you have reviewed and agree to the policy applicable to your payment method.

Some insurance plans require prior authorization or may offer an out-of-network benefit, in-network exception, or gap exception. Clients are responsible for contacting their insurance company to request any required authorization or exception. Z Rose Wellness does not guarantee that an insurance company will approve or reimburse services and does not complete insurance authorization or gap-exception requests on behalf of clients.

If your insurance company considers Z Rose Wellness in-network, this may affect your ability to receive reimbursement for amounts you have paid out of pocket. Clients are responsible for confirming their provider status and benefits directly with their insurance company.

Use of prenatal classes or services provided by durable medical equipment (DME) suppliers may affect available postpartum lactation benefits. Clients are responsible for understanding how these services may affect their individual insurance coverage.