How To Determine If Your Breast Pump Is Covered By Insurance

Mama, there’s so much to look forward to when expecting a baby. From watching a little piece of you grow in a blink of an eye to days of endless mayhem, motherhood is a chaotically beautiful journey. Whether this is your first baby or just another addition to your tribe, you need the best tools to ensure smooth sailing. 

If you’re considering breastfeeding your little one, you definitely will want to find a breast pump that makes breastfeeding a breeze. The best part? You can receive an insurance-covered breast pump at no cost to you. However, every insurance company has its own unique clauses and guidelines that influence which breast pump you end up with. Dealing with insurance may be daunting. So, Pumps for Mom has done the hard work for you. Read on to learn how to determine if your breast pump is covered by insurance.

Knowing the Basics

If you’re worried that your insurance won’t even cover a breast pump, it’s time to breathe a sigh of relief. According to the Affordable Care Act of 2010, most health insurance plans are required to cover the costs of breastfeeding equipment, including breast pumps.

It’s important to determine whether your insurance plan may be excluded from the conditions presented by ACA. Most grandfathered plans (purchased before March 23rd, 2010) are excluded from these terms, especially if they are self-funded.  

Fun fact: Wondering why breast pumps are covered by insurance? Well, it’s simple. Breastfeeding reaps way too many benefits not to be considered preventative care!

Getting to the Nitty-Gritty

Qualifying for a breast pump through insurance is easy. Many insurance providers offer flexible benefits so you can gear up for maternity. But there are steps to follow to ensure you get paired with the best pump. The following list may be some stipulations or obstacles to consider before ordering your breast pump. To determine whether these apply to you, simply call the number on your insurance card or chat with an insurance agent online (if your insurance offers online chat options). And if you’re not feeling up to it, contact the Pumps for Mom team so we can do the hard work for you. 

Know if You Need a Prescription

Some policies require a prescription from your doctor to send out a breast pump covered by insurance. Breast pumps are considered medical devices, so some providers need a prescription to ensure you’ve spoken to a medical professional about your options. Getting a prescription for a breast pump is easy. You can reach out to our team to ask your doctor for a prescription or talk to your doctor about your options yourself. We always recommend speaking to a doctor if you are concerned about which pump is best for your needs.

Check the Timeline

Wondering when you’ll be able to receive or order your breast pump? Determining when you can receive an insurance-covered breast pump helps you prepare for your baby’s arrival. Additionally, having a timeline can help you account for potential obstacles. Whether you’re ready to start picking out a breast pump or a pump has slipped your mind, insurance providers typically place guidelines on when is the soonest or latest you can place an order. 

Determine What Type Of Pump Is Covered

Building a breastfeeding plan heavily depends on the type of pump you get. Some insurance plans may cover a vast range of pumps, while others may require a prescription that certifies that a specific pump is medically necessary. Whether you envision yourself with an electric pump or prefer a wearable breast pump, knowing what your insurance will cover is best before becoming enamored with one particular pump. Luckily, there are so many amazing insurance-covered breast pumps on the market to fall in love with. 

Whether this is your first insurance rodeo or you’re a seasoned veteran, Pumps for Mom is here to help. Pumps for Mom is moms’ best friend when it comes to dealing with insurance providers. We handle all the complex parts so you can receive a breast pump through insurance in no time. With many insurance-covered pumps in our catalog, we’re sure you’ll find the perfect pump for you. Head to our easy-to-fill form to get started, or contact us today!