Breast Pumps Covered Under Insurance
Navigate your insurance coverage for breast pumps with confidence. Learn which models are covered, how to claim, and find the best pump for your needs.
SEE RECOMMENDED PUMPSDid you know? Under the Affordable Care Act (ACA), most health insurance plans are required to cover the cost of a breast pump for nursing mothers. This means you may be eligible for a free or low-cost breast pump through your insurance provider.
Understanding Your Breast Pump Coverage
Choosing a breast pump is one of the most important decisions for a new mom. But before you buy, it's essential to understand what your insurance covers. Many plans offer a double electric breast pump at no cost, while others may cover a manual pump or provide a reimbursement option. This guide walks you through everything you need to know about breast pumps covered under insurance, including how to get yours and which models are top-rated.
Whether you are a first-time mom or adding to your family, knowing your insurance benefits can save you hundreds of dollars. Our complete breastfeeding guide offers additional tips for a successful nursing journey.
How to Get a Breast Pump Through Insurance
The process is simpler than you might think. Follow these steps to secure your insurance-covered breast pump:
- Contact your insurance provider – Call the member services number on your insurance card and ask about breast pump coverage. Confirm if they cover electric, manual, or hospital-grade pumps.
- Choose an in-network supplier – Many insurers work with durable medical equipment (DME) suppliers. You can also order through online retailers like Aeroflow Breastpumps or 1NaturalWay.
- Get a prescription – Your OB-GYN or midwife can provide a prescription for a breast pump, which is often required by insurance.
- Place your order – Once approved, select your pump. Most insurers cover a new pump every 1–3 years.
- Submit your claim – If you purchase out-of-pocket, submit a reimbursement claim with your receipt and prescription.
For more tips on increasing milk supply, visit our ways to increase breast milk supply page.
Types of Breast Pumps Typically Covered
Insurance plans generally cover three main types of breast pumps. Here's what you can expect:
Double Electric Pump
- Most commonly covered at 100%
- Efficient and time-saving
- Great for working moms
- Examples: Spectra S1, Medela Pump in Style
Manual Pump
- Often covered, but may require copay
- Portable and quiet
- Good for occasional use
- Examples: Medela Harmony, Lansinoh Manual
Hospital-Grade Pump
- Usually covered for medical necessity (e.g., NICU baby)
- Rental programs available
- Powerful and durable
- Examples: Medela Symphony, Ameda Elite
Wearable Pump
- Increasingly covered, check your plan
- Hands-free and discreet
- Great for multitasking moms
- Examples: Elvie, Willow
If you're unsure which pump fits your lifestyle, our breast pumps guide offers detailed comparisons.
Top-Rated Breast Pumps Covered by Insurance
Based on mom reviews and expert recommendations, these breast pumps are frequently covered and highly regarded:
- Spectra S1 Plus – Hospital-strength suction, rechargeable battery, closed system.
- Spectra S2 Plus – Same as S1 but corded; often fully covered.
- Medela Pump in Style with MaxFlow – Compact, reliable, and widely available.
- Lansinoh Smartpump 2.0 – Bluetooth enabled, portable, and budget-friendly.
- Elvie Pump – Wearable, silent, and app-connected (coverage varies).
For more details on these models, check our breast pumps buying guide.
Frequently Asked Questions
Is every breast pump covered by insurance?
No, coverage depends on your specific insurance plan. Most plans cover a standard double electric pump, but wearable or hospital-grade pumps may require prior authorization or a medical need.
When can I order my breast pump?
Most insurers allow you to order in the third trimester (typically 28–32 weeks) or after your baby is born. Some plans allow ordering earlier, so check with your provider.
Do I need a prescription for a breast pump?
Yes, most insurance companies require a prescription from your doctor or midwife. It's a standard part of the process.
Can I upgrade my pump and pay the difference?
Many DME suppliers offer upgrade options. You can choose a premium pump (like a wearable) and pay the price difference out of pocket.
Are breast pump accessories covered?
Some plans cover replacement parts (flanges, tubing, valves) every few months. Check your policy for details.
Ready to Choose Your Breast Pump?
Explore our curated list of top-rated breast pumps covered under insurance. Compare features, read reviews, and find the best fit for your breastfeeding journey.
VIEW RECOMMENDED PUMPSTips for Maximizing Your Insurance Benefits
- Check coverage limits – Some plans cover only specific brands or models.
- Use in-network suppliers – This ensures 100% coverage with no out-of-pocket costs.
- Don't wait too long – Order early to avoid shipping delays.
- Keep your receipts – For reimbursement claims or warranty purposes.
- Ask about replacement parts – Some plans cover new parts every 3–6 months.
If you need support with breastfeeding or milk supply, our breastfeeding guide and tips to increase milk supply are excellent resources.
For more maternity and postpartum resources, explore our guides on postpartum care, nursing covers, and hospital bag checklists.
