When Ina had to be supplemented and on formula (long story) -- it was Neocate (prescription only) and the alternative would have been hospitalization and IV or feeding tube administration --- the insurance co. would cover THAT but not the prescription-only, medically-necessary Neocate (and of course, did not cover pumps, LCs, etc. either, because I could always use formula
I had never heard of regular formula being covered. I know in a few states, legislation has been passed to ensure that infants who are on elemental formula (like Neocate) will be covered by insurance, because families were paying $3-5,000 a month for formula and going, literally, bankrupt. But only a few states even have that mandate, I think. I never managed to get insurance coverage for formula.
Fortunately for us, I was bf and continued pumping to maintain my supply and return to bf - I had a good support system, including my OB and the Pediatrician, all of whom were very encouraging of me continuing to bf, going on the Elimination Diet etc. --
I think a lot of women lack that sort of information/support. I am *more* boggled by the moms who run into the hypo/elemental formula issue the first time 'round and don't even consider bf the next time.