New Jersey 

We are a Teaching Practice

Our practice supports the next generation of lactation consultants through their required clinical supervision. All students are trained and experienced student lactation consultants observing and participating in consultations with Jen Kowal. If you are not comfortable with a student during your consultation, you may indicate so during the booking process. We reserve the right to reschedule your appointment based on our availability.

IN-OFFICE CONSULTATIONS

Prompt Pay Discount

Prenatal Visit:               $175

Initial Visit:                     $325

Follow Up Visit:            $200​

HOME VISITS

CLICK HERE for a list of covered areas.

Available on a limited basis within a 15 mile radius of 07042 and 07871. There is a $50 convenience fee applied which is not reimbursable by insurance and will be due directly to the provider at the time of the visit via cash or check.

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Not all providers affiliated with Milkwell are in network. 

Jen is an in-network provider with Aetna and Amerihealth. We are working on becoming credentialed with other insurance carriers but currently we are out of network.

We will provide you with a superbill to submit to insurance for your own reimbursement.

Policies

ALL CLIENTS

Please read regarding electronic payments.

A credit card on file is required for lactation consultations and is due in order to book your appointment.
 

Payments may be made electronically using a credit card or funds transfer. Jen Kowal IBCLC and Milkwell use SquareUp to process payments. SquareUp meets the high standards of HIPAA and the banking industry for security and privacy with regard to financial transactions. However, SquareUp may send, automatically or per your request, email or text message receipts that reveal personal health information such as the date and type of lactation visit. You do have the right to refuse payment via SquareUp at the time of booking and instead pay via automatic bank fund transfer, cash or check. You will need to reach out so your appointment can be booked manually and payment arrangements can be made. 

SELF-PAY

  • Please note that reimbursement for self-pay clients is not guaranteed. You are fully responsible for the out of pocket fee regardless of how much insurance ends up reimbursing you. If you are concerned about reimbursement, please call your insurance carrier for more information.

  • Full payment is required for lactation consultations and is due in order to book your appointment unless alternative arrangements have been made in advance.  

  • Clients are responsible for all charges associated with any past and/or future visits with Milkwell. Milkwell will charge credit cards on file for outstanding balances. Milkwell will attempt to contact clients prior to processing said payment via phone and email.  If client fails to pay the outstanding invoice(s), within 24 hours of the visit, Milkwell reserves the right to process the payment via stored credit card. 

  • You will be provided with a superbill suitable for you to submit to your insurance. The superbill (which will also serve as a payment receipt) will be coded appropriately to the level of service provided during the visit. You agree to pay Jen Kowal IBCLC  prior to or at the time of the visit (cash, check, credit card, or FSA). 

  • Some families seek pre-authorization (call your insurance carrier and request an "in for out" meaning in-network coverage for an out-of-network provider, and/or a Gap exception (asking the insurance company to cover the services as in-network to fill the "gap" they have in their own network by not actually having any in-network lactation consultants.   Request your insurance cover numerous visits because often we need to follow up to continue to improve feeding and comfort.

BILLING INSURANCE

  • AETNA /Amerihealth clients: Jen Kowal is in-network with Aetna and AmeriHealth insurance companies which means we will submit your fees for Aetna’s consideration. It is imperitive that you check your policy for its coverage.  If your policy does not cover lactation you will be responsible for the full payment. Aetna’s usual and customary allotment for each procedure will satisfy your account; ultimately, each client remains responsible for full payment for services.

  • If your Aetna policy denies any part of the claim, Jen Kowal IBCLC and/or the practice biller will appeal the denial one time.  If the claim remains denied or not paid in full as is usual and customary you are responsible for the balance. Milkwell may charge your card on file for any outstanding balance.  

  • If Aetna eventually pays, you will be reimbursed within 14 days. You are responsible for providing  accurate insurance information and informing of any changes in your insurance status; if you do not have coverage at the time you are seen by Jen Kowal IBCLC, you will be responsible to pay at the practice's self-pay rates outlined above and you will be billed accordingly.​