Why I’m Taking Charge of Getting My Breast Pump Covered by Insurance

Get Pregnant Fast

If you’re planning to breastfeed, it’s time to familiarize yourself with the Affordable Care Act (ACA), also known as Obamacare. Signed into law in 2010, one of its key provisions mandates that commercial and private insurers cover breastfeeding equipment, including breast pumps, for expectant and new mothers.

Before you splurge on an expensive breast pump, follow these steps to see if you can secure one at no cost!

1. Gather Information: Under the ACA, breast pump coverage typically doesn’t involve a co-payment, but the options provided by your insurance company might not align with your needs. For instance, if you’re returning to work, a double electric pump will be essential (as opposed to a single electric or manual one). Different insurers have different offerings, so check what’s available to you as soon as possible. Be proactive—get a prescription and join a waiting list to stay ahead of the game.
2. Don’t Settle: About 60% of health plans allow for upgrades! Most insurers will let you elevate from their basic pump choice to one that suits you better—just be required to pay the difference. However, not all insurance providers make this clear, so if you have your eye on a specific pump, like the Medela 2-Phase, don’t hesitate to ask for it. You deserve the best for your breastfeeding experience!
3. Explore Your Options: Most insurance plans stipulate that you must obtain your pump from an in-network provider. However, many are flexible if your chosen pump isn’t available, allowing you to select a different model or even reimburse your purchase from a retail store. It’s always worth inquiring!

Having the right knowledge is half the battle. Since regulations vary by state and plan, make sure you ask all the right questions to confirm your eligibility. Want even more tips on preparing for your little one? Check out our other blog post about pregnancy essentials here.

Summary

Understanding your insurance benefits for breast pump coverage is crucial for expectant mothers. By gathering the right information, knowing your options, and advocating for the pump that best suits your needs, you can ensure a smoother breastfeeding experience.