For website: wellconnectedlife.co.uk

Publication Date: April 23, 2024

How to Get a Breast Pump Through Insurance

If you’re looking for a breast pump covered by insurance, you’re not alone. Thanks to the Affordable Care Act (ACA), most health insurance plans are required to cover breast pumps — including hands-free options. Your insurance may have rules about whether the pump is manual or electric, if it’s a rental or one you keep, how long you can rent it, and when you can receive it (before or after birth). While dealing with insurance can sometimes be confusing, this process is usually simple.

In this article, we’ll explain how to get a free breast pump through your insurance, including:

• Types of pumps covered

• Step-by-step process

• How to upgrade

• What accessories are included

• And more

What Does Insurance Cover for Breast Pumps?

There are three main types of breast pumps that insurance may cover: manual, electric, and wearable. Here’s a breakdown:

• Manual breast pumps: Also known as hand pumps, these don’t use electricity. You control the suction yourself. They can be tiring to use but are good for occasional pumping, like when nursing on one side or in case of emergencies.

• Electric breast pumps: Sometimes called traditional or wall pumps, these use a motor powered by an outlet or battery. They tend to have stronger suction and alternate between suction and release to mimic a baby’s nursing. Even portable ones still require you to carry the motor, which can make moving around harder.

• Wearable breast pumps: These are battery-powered and fit inside your bra for hands-free use. They are more mobile and convenient than traditional pumps. Wearable pumps can vary — some are controlled with an app, and some are not, but all offer more freedom.

Insurance may also cover certain accessories like milk storage bags, flanges, and spare parts. To check what is included, you’ll need a signed prescription from your doctor, your insurance details, and your doctor’s contact information.

Step-by-Step Guide to Getting a Breast Pump Through Insurance

Step 1: Check with Your Insurance Plan

Start by contacting your insurance provider. Ask them:

• Does my plan cover buying or renting a breast pump?

• What type of pump is covered (manual, single electric, or double electric)?

• Is there a limit on how many pumps I can get?

• Are certain brands or models required?

• Do I need a prescription? If so, where should it be sent?

• Will I need to pay part of the cost?

• How long can I rent a hospital-grade pump?

• Can I get the pump before my baby is born?

If the pump you want isn’t fully covered, you may be able to pay the difference to upgrade. You can also use FSA or HSA funds to help with the cost.

Step 2: Get a Prescription

Since breast pumps are medical devices, most insurance providers require a doctor’s prescription. This may also apply to items like compression socks or postpartum clothing. Whether you’re pregnant or have already given birth, talk with your doctor about your pumping needs.

Things to consider include:

• Will you be going back to work soon?

• Will you be on your feet or moving around a lot?

• Are you caring for another child or family member?

If your baby was born early or has trouble nursing, your doctor can help make a plan that works for you.

Step 3: Choose an Approved Supplier

Insurance companies usually work with specific suppliers, called durable medical equipment (DME) providers, like Pumps for Moms or Aeroflow. Your insurance provider can tell you which supplier to use. Some suppliers will even handle the paperwork for you.

Once you know which supplier to use, don’t wait. Even though you can get a pump at any point during pregnancy or for up to a year after birth, some insurance plans won’t let you receive the pump until 30 days before your due date. Start the process early so you’re ready when the time comes.

Step 4: Place Your Order

After picking your pump, follow the steps on the supplier’s website. They will confirm your insurance, usually within 24 hours, and ship your pump in 1 to 5 days after everything is verified.

Tips for Choosing the Right Pump

When choosing a breast pump, think about:

• How portable it is

• How efficient it is

• What features it offers

Hands-free, wearable pumps are popular with many moms because they offer comfort and freedom during the day.

Some pumps are app-controlled and include features like:

• Multiple flange sizes and soft inserts for better fit

• Long, smooth flange tunnels for comfort

• Curved edges to avoid pinching skin

• A round motor for balance and discretion

• Adjustable suction for each breast

Every mom’s experience is different. You may need to try a few features before finding what works best for you.

Benefits of Getting a Breast Pump Through Insurance

Saving Money
Breast pumps can cost between $15 and $500. Getting one through insurance can save you a lot of money. Even if you pay a little extra for a premium model, you’ll likely save compared to buying it on your own.

Access to Good Quality Products
Insurance-covered pumps are usually approved by the FDA and made by trusted companies. This gives peace of mind and can make breastfeeding easier.

Support for Breastfeeding Goals
Breastfeeding is different for every mom. A pump can help increase milk supply, offer flexibility, and give moms a break when needed.

What Breastfeeding Products Might Be Covered by Insurance?

In addition to breast pumps, your insurance may cover:

Breast Milk Bags and Accessories
These are essential for storing milk safely and are sometimes included in your benefits.

Flange Kits and Spare Parts
Pumps work best when parts like flanges, valves, and tubing are replaced every 90 days. Insurance often covers these items, so ask your provider.

You’re Ready to Make Breastfeeding Easier with an Insurance-Covered Pump

There’s a lot to think about, especially as a new mom. Just take one step at a time. Whether you’re preparing for your baby’s arrival or getting support during the postpartum phase, now is a great time to look into your pump options. To sum up:

• Contact your insurance provider to learn what’s covered

• Talk to your doctor and get a prescription

• Choose a supplier from your insurance’s list

• Place your order and get your pump

Even if your preferred pump requires a small upgrade fee, using your insurance can save you a lot. Look into pumping accessories and supplies that may also be included in your coverage. There are many tools and resources to help make breastfeeding a little easier.

FAQs

Does insurance cover all kinds of breast pumps?
Most insurance plans cover manual, electric, and some wearable pumps. Check with your provider for details.

Do I need a prescription to get a pump?
Yes, many insurance companies require a doctor’s prescription. Talk to your doctor to get one.

How long does it take to get a pump through insurance?
It usually takes 1–2 weeks after ordering, depending on your insurance and supplier.

Can I upgrade to a more advanced pump?
Yes, many plans let you pay the difference to get a higher-end model.

Are items like storage bags covered?
Sometimes. Contact your insurance to find out if accessories are included in your plan.