Breast pumps are a necessity to almost all new mothers but the high quality (and most effective) pumps are quite expensive! Thanks to the Affordable Care Act, most insurance companies are now required to provide breast pumps to pregnant and nursing moms. That is wonderful news! Now, how do you go about getting your free breast pump with insurance? How do you know what kind of pump your insurance will cover? There are programs that even do the hard work for you so getting your pump can be as easy as one phone call!
Talk To Your Doctor
The best thing to do is to discuss your breastfeeding plans with your doctor at your next appointment. Whether you’re currently pregnant, or just had a baby, you are eligible for a pump if you’re breastfeeding or are planning to breastfeed. Your doctor can write a prescription for a pump that fits within your needs. Provide the prescription to your insurance company in order for them to send you one of the pumps that they approve and your doctor recommends. All insurance companies vary in what they will cover, so if your needs are more specific than what your insurance will provide, you may have to cover the cost difference to get an upgrade.
Breast Pump Providers
There are programs available that act as a go-between for you and the insurance company. Your doctor will likely provide you with that information (there are many services to choose from). If you go the route of using one of these services, all you need to do is make a phone call to them. Have the written prescription from your doctor on hand, and your insurance information. The service will take your information, contact your insurance for you and get the approved pump that fits your needs as prescribed by your doctor. And they even ship it right to you.
Find A Provider
If your doctor doesn’t give you information on who to contact, you can use a helpful website created by Medela. Medela, one of the main breast pump brands, has a website that allows you to enter your insurance company and state and it provides a list of breast pump providers you can call.
Go to http://www.medelabreastfeedingus.com/insurance-pump-lookup to enter your information and find a provider to help you get your free pump!
What You Need
Remember to have your insurance card ready. You also need the name and phone number of your OB doctor and the written prescription for the breast pump that your doctor provided. Depending on the provider that you choose, they may have you reply to their email with a picture of your prescription, or they may have you fax it to them. If you don’t have the prescription, you can also have your doctor fax the prescription to the breast pump provider.
I recently went through the process of getting my insurance-covered breast pump. After just one phone call to a breast pump provider (which my doctor recommended) with my insurance card and prescription in hand, I had my pump delivered to my door in just a few days! It was such a quick and easy experience. I didn’t have to call my insurance company, but it might be smart to call if you think your insurance may not cover it for one reason or another. Or if you have specific needs for a certain brand or style of pump that are beyond what your insurance will cover. Every situation is different so talk with your OB, your insurance, and the breast pump provider to find the best option for you.