How to Get the Best Insurance Covered Breast Pumps

by Mother Huddle Staff

Did you know that it’s possible to receive breast pumps free of charge? Whether you’re expecting, have already given birth, or planning to have a child, it pays to know your options.

Pregnancy, birth, and childcare are complex. Make your work easier by understanding the options when it comes to insurance covered breast pumps. Read on to get the information you need.

Types of Breast Pumps

There are a number of considerations when it comes to breast pumps. Whether you want something quiet, something powerful, something discreet, or something else, there’s probably an option for you.

Knowing the types of pumps available is the first step to choosing what’s right for you. But it’s also vital for knowing how to get breast pumps through insurance. Broadly speaking, there are four main types of breast pumps, outlined below.

Manual

Manual breast pumps can be operated single- or double-handed, depending on the specific model. These tend to be quiet and simple to operate. That means they also work well as a backup.

Electric

Electric breast pumps tend to be more efficient than manual breast pumps. The need for a power supply can be an issue if you’re away from a wall outlet. To compensate, some include rechargeable batteries. Other options include single and double pumps.

Portable Electric

Also known as wearable pumps, these are a sub-type of electric pumps. Unlike other electric pumps, this type will fit in a bra, freeing up your hands for other tasks. If you’re looking for something efficient yet discreet, this option is worth considering.

Hospital Grade

These breast pumps are generally the most powerful and efficient, but they come at a cost. They’re large, which makes them less convenient if you’re on-the-go. They can also be quite expensive—in the range of $1000. To account for this, they are often rented for a duration rather than being purchased outright.

When choosing a model that works for you, it’s important to consider which features will suit your lifestyle and needs. But it’s also vital to know what your insurance will cover. There’s more guidance on that below.

Insurance Covered Breast Pumps

Many burdens come with childbirth—financial, emotional, physical, and more. Getting your hands on insurance covered breast pumps can reduce those burdens in a big way.

Breast Pumps Through Insurance: Coverage

The Affordable Care Act, also known as Obamacare, requires that insurance companies provide 100% coverage of certain breast pump equipment. There are some exceptions, though. It’s always best to check with your insurance company to make sure you understand your coverage.

Below are some additional factors that insurance companies consider when determining your eligibility for free breast pumps. Some of these same factors also apply to Tricare breast pumps.

Cost: Some insurance companies will put a limit on the price they’ll pay for breast pumps and related equipment. If budget is a concern, be sure to check with your insurance provider before spending too much time looking at models.

Rental vs purchase: Some policies will only cover breast pump rentals. On the upside, these rentals are usually hospital-grade equipment. 

Equipment types: Some policies will cover a full suite of related gear, including tubes, bags, bottles, coolers, and carrying cases. Others will cover only specific types of gear.

Suppliers: Some policies require that you obtain your breast pump and related equipment through pre-approved suppliers or manufacturers. Those companies will usually confirm whether your insurance covers their products. Regardless, you should speak with your insurer directly to guarantee coverage.

Get Started Now

Breastfeeding requires some forethought and planning, but there are resources available to make it easier to find insurance covered breast pumps. Once you know the types of free breast pumps you can get through insurance, you can read reviews, watch videos, and even speak with a lactation consultant.

Regardless of your stage in the process, it’s a great idea to get started now. Check out our other articles for more tips—or use the search bar to find what you’re looking for.

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