I would start to check with your State Insurance Advocate. Years ago formula was not covered at all, but I know in NJ we fought for legislation for Formula to be covered through our insurance companies. I have had different issues, at times we needed to get the formula directly from Mead Johnson and then my insurace company reimbursed us, then most recently the formula was provided by a medical suppliers. If your child visits a clinic or nutritionist they might be able to help you to find out where to obtain the formula from and the coverage. They most I paid was my out of pocket expense.