Getting a breast pump from your insurance company

I recently got a message through my contact form at the right from Shaffizan, who wrote this post on her blog. She brought up a valid point about obtaining breast pumps from one's insurance company. I'll elaborate on that a bit now.

A good double electric breast pump is an expensive item, no question about it. It's this machine trying to replicate what the human body does, so I guess that's why it isn't cheap. When you have a baby, your expenses rise like a newborn's cry and the last thing you want is yet another important but pricey item to send you over the edge. Just to give you an idea, Amazon has the Medela Pump In Style Advanced Backpack model for $218 and the Ameda Purely Yours for $159. And these are priced at below retail price. If you're like me, you're just not interested in one for that price. Especially when you know they won't last for more than a few years at best.

Enter the new Affordable Care Act which you may or may not approve of. But one thing's for sure, they definitely had breastfeeding mothers in mind (yay!). Under the ACA*:

"Your health insurance plan must cover the cost of a breast pump – and may offer to cover either a rental or a new one for you to keep.

Your plan may have guidelines on whether the covered pump is manual or electric, how long the coverage of a rented pump lasts, and when they’ll provide the pump (before or after you have the baby).

But it’s up to you and your doctor to decide what's right for you."

So the best thing to do is to call your insurance company directly, preferably before you have your baby, and ask them about their breast pump policy. It's probably easier than to go through the ten-inch thick insurance contract book. They will tell you which suppliers they're affiliated with, and you will have to be in touch with them about placing your order. Some insurance companies require you to order the pump within 30 days of giving birth so it's best to find that out early on. It's really that simple.

Now what's if your insurance company won't provide you with the model you really want? Or what's if you want to own a second pump (so you can leave one at work and keep one at home for days off)? Here's a little tip. Since basically everyone's insurance company is providing them with pumps, what's if you don't actually need a pump? They'll still give you one. So these folks now have pumps that are not in use, just collecting dust. Then they sell them on eBay or someplace.

It's not too hard to find brand new still-in-the-box pumps being sold on eBay by people who got them from their insurance companies. How do you know? They come in the same insurance-given packaging (instead of the retail packaging you find in the store). Often, you can find a good deal on these pump since the sellers don't mind making a quick buck and aren't asking for the full retail price anyway. This is how I bought my second Ameda Purely Yours pump for $45 (brand new, never used).

I personally would not use somebody else's already used pump unless I just use the base and buy my own attachments. Even though most parts could be sterilized depending on the model, there are some areas that can't be sanitized well enough without damaging the equipment. Sometimes this works as another cheap alternative: borrow or buy off somebody's actual pump, but then buy the new pump parts.

You can read more about my pumping experience here.

*The ACA will also cover other breastfeeding-related needs such as lactation support. It also requires larger companies to allow pumping time and a place to pump for mothers who require it.