Financial Responsibility Policy

Yummy Mummy, LLC ("Yummy Mummy," "we," "us," or "our") appreciates the opportunity to support you with your breast pump and related supplies. When you place an order through our website and choose to use insurance benefits, you acknowledge and agree to the financial responsibility terms below.

Your Responsibility for Out-of-Pocket Costs

Your insurance plan may include out-of-pocket costs such as a deductible, coinsurance, copay, or plan limitations. You are responsible for any out-of-pocket amounts required by your plan and for any amounts not paid by your insurer.

Pricing Transparency for Upgrades and Add-Ons

If you select an upgrade, accessory product, or additional items at checkout, the price will be displayed at the time you make your selection. We do not add hidden fees for those choices.

Insurance Verification Is a Courtesy, Not a Guarantee

As a courtesy, we may attempt to verify your insurance coverage and submit claims on your behalf. However:

• Coverage verification is based on information available at the time of verification, and
• Final coverage determinations are made by your insurance carrier at the time the claim is processed.

You are ultimately responsible for understanding your insurance benefits, including any exclusions, requirements, or limitations.

Denials, Reduced Payments, and Plan Requirements

Insurance carriers may deny or reduce payment for a variety of reasons, including (but not limited to):

• Plan limitations or benefit exclusions
• Eligibility changes
• Missing or insufficient documentation (e.g., prescription or medical necessity requirements when applicable)
• Prior authorization requirements
• Timely filing or administrative requirements
• Member responsibility amounts (deductible, coinsurance, or copay)

If your insurer denies payment or pays less than expected for any reason, you are responsible for the remaining balance on your account.

Billing and Payment Timing

Depending on your plan and claim processing timeline, you may be responsible for payment:

• At checkout (for known upgrades and add-ons), and/or
• After the claim is processed (for deductible, coinsurance, or non-covered amounts)

If a balance is due, we will contact you using the information provided with your order.

Questions About Your Coverage

If you have questions about your benefits, deductible, or coverage rules, your insurance carrier is the best source for those details. We are happy to share the billing information we have available, but we cannot guarantee coverage or payment amounts.

Contact Us

If you have questions about your order or billing, please contact us: