How to Get Your Breast Pump Covered by Health Insurance

With the passage of the Affordable Care Act, most health insurance companies are required to cover the cost of breastfeeding equipment and counseling services for you. If your policy is considered grandfathered, you may not qualify to be covered for the cost of the equipment. The company will need to notify you if this is the case. You can get the breast pump either before or after the birth of your child up until they're one year of age. This is based on the recommendations of breastfeeding for the first year. Some companies will even cover the cost of a new breast pump with each additional child. Just because this is a requirement, doesn't mean that the health companies make it easy for you to receive this benefit. There are still some steps that you need to take in order to qualify.


Your individual plan will dictate what type of breast pump is allowed. There are a variety of options when it comes to the pumps that are covered. The plan may cover a manual or electric pump. There may also be a length of time that you're allocated for a rental or even a price limit on the pump itself if you plan to purchase one. The first step is to call the insurance company. You will have to verify that you have coverage for the equipment. Another thing that you'll need to ask about is what doctor you will need to fill about the qualification forms to get the process started. Some companies will require that your obstetrician signs off, where others require that the pediatrician gives approval.


Once you've made this determination, the second step is to talk to the correct doctor about getting a prescription for the breastfeeding equipment. They can make recommendations on the type of pump that will work best for you. Your company is required to follow the recommendations that are laid out by your doctor. If you have a preference for a particular type or style of pump, you need to let your doctor know. They can help you to navigate through any loopholes. Another thing to make sure is that you aren't exceeding any timelines that are set out by the company. For example, some companies will only cover the cost of the pump as long as it isn't purchased or shipped to you more than 30 days prior to your due date. You will also have to get approval and purchase the pump or have it shipped before your child is one year of age. If you fail to meet these timeframes, the insurance company won't cover the costs.


Start communicating with your company early if you want them to cover the cost of your breastfeeding equipment. Some companies will require that you fill out additional forms online after you've received your doctor's approval. They will then send you a list of pumps that are covered under your plan. All you have to do is select which one you want. In some cases, the company will forward a suppliers website to you so that you can select the pump of your choice. Some companies will reimburse you for the cost of you purchasing the pump out of your own pocket. Make sure to save all of your receipts and other penitent documentation. You will also need to make sure that the pump you purchase is on the approved list so that you can be fully reimbursed. Even if the pump that you purchase isn't on the list, you may be able to receive a partial reimbursement. Save all communication you have with your company to ensure that you have a complete documentation trail. This can mean the difference between them covering the cost of the pump.


Follow these steps so that you can have your breastfeeding equipment covered at no cost to you. The process can seem arduous, especially if you're caring for an infant. It may be to your advantage to consider getting a pump prior to the birth of your child. Even if you don't plan on using it, there are situations in which it may come in handy. For example, it can allow you to return to work and continue breastfeeding your child. It can also help your partner bond with your child, and let you to get some rest. There are advantages to having a pump available. This will enable you to have peace of mind knowing that you're trying your best for your child.


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