Getting Your Breast Pump Covered By Insurance
Breastfeeding is important not only in nourishing your baby, but also in providing crucial antibodies that will help them fight illnesses through the building of an effective immune system. With that said, there are circumstances that make it quite difficult to be there and breastfeed the conventional way. This is where breast pumps come in. Sometimes you have to handle daily life activities or go back to work and the baby still needs his/her doses of milk for the day. Well, the good news is that you can still do what you want or need to do and a breast pump will make all the difference.
The problem faced by most moms is that breast pumps can come with a scary price tag with some top rated breast pumps going for $300. This is the main reason why a regulation has come into being and, as an advantage to moms, requires insurance providers to cover lactation consultants and breast pumps without a need to pay deductibles or co-pay. In simple language that does not involve the taxman words; you can now have a rental breast pump without paying a dime or have your insurance company cover a purchase for one.
The Affordable Care Act is the reason behind the easy availability of breastfeeding supplies and support. This means that moms can now have it easy going back to work and handling other important errands without worrying about breastfeeding time. Though this is the case, the policy might appear simple and straightforward but navigating it might prove to be a hard nut to crack. This is why you need all the information you can get about this act and how it interacts with our insurance company policy. Here are a number of important elements that you need to know when dealing with insurance breast pump covers.
Exemption of Grandfathered Plans – If you are currently in a health insurance plan put in place prior to the signing of the Affordable Care Act on 23rd March of 2010, then it is not a requirement that it complies with the breast pump ad support provisions. Though this is the case, you have some coverage and you will be required to come up with deductible or a co-pay out of your pocket to get the breast pump.
Prescription – Some insurance providers might require seeing a prescription from your health care provider. Most will only need your midwife’s or doctor’s name and telephone number. Most of them will want to confirm a number of details before going forward with the plan.
Choosing Your Breast Pump – When you are getting a breast pump through your insurance company, you will have an option of choosing the type of pump you get. However, it is important to state that some health insurance providers will only cover manual breast pumps. The other option is an electric breast pump which is efficient and easy to use. In some cases, the health plan will cover a rental hospital grade breast pump which is a cheaper option.
Where to Buy a breast Pump – While some medical insurance companies will link you with supply companies that will deliver the breast pump directly to you, some will give you a list of medical supply companies that sell breast pumps around where you live.
The first step towards getting a breast pump with insurance companies is to contact your insurance provider. Because of how the law is written, the manner in which it is carried out will entirely depend on the insurance company policies and this will determine the options you have. This means there are enormous variations and it is crucial to understand how your provider handles the breast pump issue.