Does My Health Insurance Cover A Breast Pump?

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   Marlin McKelvy

   President, Consumer Directed Benefit Solutions, Memphis, Tennessee

   Prior to January 1, 2013 the most likely answer to your question would have been no.  Though, in group health insurance there might have been contracts, especially for some self-insured groups, where coverage for a breast pump might have been covered.  One of the earlier provisions of the Affordable Care Act does require coverage for lactation services of which a breast pump is certainly a part of and therefore is technically covered.  The law however does not specify any particular types or models of breast pumps that must be covered so the consumer should be aware that availability of breast pumps and the types and models that are covered will vary from one insurance carrier to another depending upon their internal policies regarding such durable medical equipment items.  I advise that you check with your insurance carrier regarding their specific benefits for this service as they will probably have preferred vendors that they will want their members to purchase or rent these devices from and they will be able to inform you as to specifically what types or models of devices your policy with them will cover.  Going out and buying a breast pump and then just filing a claim with your insurance carrier might result in a denial of the claim or a reduced level of coverage if your purchase was not within their guidelines.

   Answered on April 9, 2014

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