My husband and I opted to pay more out of pocket each month, for our portion of the monthly insurance premium to assure that Addison would have the best coverage offered. Even after we pay our monthly premium, we must use a provider In-network to deliver her monthly formula, once we meet her $2,000 maximum out of pocket, the formula is covered at 100%. Cambrooke and the other medical food providers are out of network with my current insurance and claims are processed through our out of network benefits, which is a $4,000 out of pocket max and then food is covered at 100%. With a max coverage of $5,000 for medical food. So in all reality, I pay the big portion of all of her medical food. Total of $6,000 is paid each year on top of our monthly premiums to assure Addison has the formula and foods she needs in order for her to grow and develop.