Is Your Breast Pump Covered by Insurance?

breast-pump-insuranceA breast pump is the perfect aid for moms who can’t breastfeed for one reason or another, but most electric breast pumps are expensive, usually costing around $200. Luckily, you can find breast pumps covered by insurance thanks to a regulation included in the Affordable Care Act.

According the main site at Healthcare.gov:

Your health insurance plan must cover the cost of a breast pump – and may offer to cover either a rental or a new one for you to keep.

Your plan may provide guidance on whether the covered pump is manual or electric, how long the coverage of a rented pump lasts, and when they’ll provide the pump (before or after you have the baby).

But it’s up to you and your doctor to decide what’s right for you.

These are excellent news for moms who can’t afford to buy a breast pump at home and need help renting one without paying extra money. There are some insurance companies that even cover the cost of purchasing a new one. There are a few things you should know before contacting your health insurance company though.

If you have entered an insurance plan before March 23, 2010 when the Affordable Care Act was signed you may not enjoy the coverage of breast pump equipment. It is a good idea to contact your company and ask if at least you can rent or buy a pump at a discounted price.

Your plan may or may not include electric breast pumps. Some insurance companies only provide manual breast pumps completely free, or they cover the rental of a hospital grade breast pump. The insurance company may also opt to either give you the pump directly or provide a list of suppliers where you can get one. Some people are having trouble with this last option though, as they find out many suppliers don’t have pumps at their disposal.

A downside of going down this route is that you may end up with a breast pump that doesn’t work well for you. Pumps are not designed to fit all breast sizes, and if you have large breasts you will find that your alternatives are only a few. The regulation could surely use some improvements, such as letting you choose a pump and breast shield based on your personal preferences, but still, it is a good way to help moms and recognize breastfeeding as part of the health care continuum.

For More Info on Breast Pumps and Insurance:

Healthcare.gov – the official site of the Affordable Care Act

Medela Breastfeeding Insurance

Go to Best Breast Pumps Home