If you’re looking for a breast pump that your insurance covers, you’re not alone and YummyMummystore.com has you covered. Thanks to the Affordable Care Act (ACA), most health insurance plans are required to cover breast pumps, including hands-free wearable options. However, the type of pump, whether it’s manual or electric, personal or rental, and when you can receive it may depend on your insurance provider’s guidelines.
Learn more about how to pick the right breast pump for you.
While dealing with insurance can sometimes feel complicated, getting a breast pump through your plan is a fairly simple process. This guide will walk you through everything you need to know, including:
- Types of breast pumps covered by insurance
- Step-by-step instructions for obtaining a pump
- Opportunities to upgrade
- Which Willow products may be covered
- Additional benefits of getting a pump through insurance
What Types of Breast Pumps Are Covered?
Insurance typically covers three types of breast pumps: manual, electric, and wearable. Here’s what you need to know about each:
Manual Breast Pumps
- These pumps require you to manually control the suction by squeezing a handle.
- They can be useful as a backup or for occasional use.
- Since they don’t require batteries or electricity, they are portable and quiet.
Electric Breast Pumps
- These pumps use a motor to create suction and require an electrical outlet or battery power.
- Many moms find them more efficient for frequent pumping.
- Some models come with adjustable suction levels to mimic a baby’s nursing pattern.
Wearable Breast Pumps
- These pumps fit inside your bag, offering hands-free convenience.
- They run on battery power, making them more portable.
- Some models, like Willow Go and Willow 360, offer smart features such as app controls and leak-proof designs.
Besides pumps, insurance may also cover accessories like storage bags, flanges, and spare parts. Check with your provider to see which items are included in your plan.
Step-by-Step Guide to Getting a Breast Pump Through Insurance
Step 1: Contact Your Insurance Provider
The first step is to find out what your insurance covers. Call your provider and ask:
- Does my plan cover a breast pump purchase or rental?
- What types of pumps are covered?
- Are there specific brands or models included?
- Do I need a doctor’s prescription?
- Can I order a pump before my baby is born?
- Are accessories like storage bags and replacement parts covered?
Some plans may fully cover a pump, while others may allow you to upgrade to a premium model by paying the difference. If you have a Health Savings Account (HSA) or Flexible Spending Account (FSA), you may be able to use those funds for an upgrade.
Step 2: Get a Prescription From Your Doctor
Since a breast pump is considered a medical device, most insurance providers require a doctor’s prescription. Your OB/GYN or midwife can provide this for you. When discussing pump options with your doctor, consider:
- Your work schedule and pumping needs
- Whether you’ll be on the go frequently
- Any medical conditions that may affect breastfeeding
If your baby was born prematurely or has difficulty nursing, your doctor may also recommend a hospital-grade pump, which some insurance plans cover for rental.
Step 3: Find an Approved Supplier
Most insurance companies work with durable medical equipment (DME) suppliers like Aeroflow, Pumps for Mom, or Insurance Covered Breast Pumps. These suppliers help verify your insurance, obtain your prescription, and ship your pump.
- Check with your insurance for a list of approved suppliers.
- Some suppliers handle all the paperwork for you, making the process easier.
- Be aware that some suppliers may have specific shipping timelines (e.g., they can’t send your pump until 30 days before your due date).
Step 4: Place Your Order
Once you’ve chosen your pump, follow the supplier’s ordering process. Most suppliers verify insurance within 24 hours and ship your pump within 1-5 days. If your insurance only covers a basic pump but you prefer a premium model, you may have the option to pay for an upgrade.
Choosing the Right Pump for Your Needs
Here are some factors to consider when selecting a pump:
- Portability: If you’ll be pumping on the go, a wearable pump like Willow Go or Willow 360 may be best.
- Comfort: Look for pumps with adjustable suction levels and soft flanges.
- Milk Output: Some pumps are designed to maximize milk production by mimicking a baby’s natural nursing pattern.
- Ease of Use: Consider pumps with simple controls and app connectivity for added convenience.
Both Willow Go and Willow 360 are wearable, hands-free pumps designed for maximum comfort and milk output. The Willow 360 offers 100% leak-proof technology and the ability to pump in any position.
Benefits of Getting a Breast Pump Through Insurance
Financial Savings
Breast pumps can cost anywhere from $15 to $500, so getting one through insurance can save you a significant amount of money. Even if you choose to upgrade, you’ll still be reducing out-of-pocket expenses.
Access to High-Quality Products
When you obtain a pump through insurance, you’ll receive an FDA-approved product from a reputable supplier. This ensures safety, durability, and efficiency in your pumping journey.
Support for Your Breastfeeding Goals
Breastfeeding can come with unexpected challenges, but having a pump can help ensure your baby gets enough milk, even when direct nursing isn’t an option. A quality pump provides flexibility and support, whether you’re returning to work, balancing a busy schedule, or facing breastfeeding difficulties.
What Willow Products May Be Covered by Insurance?
Besides breast pumps, many accessories and replacement parts are covered by insurance or eligible for HSA/FSA reimbursement. These may include:
- Milk storage bags
- Flange kits
- Replacement parts (e.g., duckbills, membranes, tubing)
- Pumping accessories
Because pump parts wear out over time, replacing them every 90 days helps maintain efficiency and hygiene. Some insurance plans cover these replacements, so check with your provider to see what’s included.
Final Thoughts: Making Breastfeeding Easier
We know that preparing for a baby can feel overwhelming, but getting a breast pump through insurance is one step that doesn’t have to be complicated. To summarize:
- Contact your insurance provider to check coverage details.
- Get a prescription from your doctor.
- Find an approved supplier and explore your options.
- Place your order and receive your pump hassle-free.
Even if your preferred pump requires an upgrade, using your insurance can save you hundreds of dollars.