Free Shipping on Orders $30+

Understanding Insurance Covered Breast Pumps

If you're pregnant or recently gave birth, there's a good chance your health insurance will cover a breast pump at no cost to you. Most insurance plans include this as a maternity benefit, and the process is usually simpler than you'd think once you understand how it works. Insurance covered breast pumps include a range of options from wearable to double electric and even warming models, and your specific coverage depends on your plan.

What matters most is figuring out what you're eligible for and connecting with the right suppliers who accept your insurance. Most plans cover quality pumps that meet medical-grade standards, so you won't have to pay out of pocket for breastfeeding equipment. Whether this is your first time going through the process or you just want to confirm what your plan covers, checking your eligibility is the best place to start.

The Advantages of Using Your Health Benefits

Under the Affordable Care Act, most health insurance plans in the U.S. are required to cover the cost of a breast pump. This might be a rental unit or a new pump you keep. The requirement applies to most private insurance plans, Medicaid in expansion states, and marketplace plans. Some grandfathered plans may be exempt, but most people are covered.

Using your insurance means you don't pay anything upfront. You also avoid the hassle of figuring out which pumps qualify or handling reimbursement paperwork yourself. When you work with an approved supplier, they verify your coverage and manage all the billing directly with your insurance company. You just choose your pump and they handle the rest.


Here's what insurance coverage gets you:

  • Zero or low cost - Most families pay nothing out of pocket for their breast pump.
  • Clear eligibility - Know exactly which pumps and accessories your plan covers.
  • Multiple pump options - Access to wearable, portable, and double-electric models depending on your benefits.
  • Hassle-free ordering - Suppliers handle all documentation, claims, and communication with your insurance.
  • Quality assurance - Only medical-grade pumps from trusted manufacturers.

Ready to see what your plan covers? Check your eligibility to find out which breast pumps are available at no cost.

Types of Breast Pumps Available Through Insurance

Insurance providers may cover several types of breast pumps. Coverage varies by plan, but most insurers offer at least one fully covered option. Here’s a quick breakdown of the Zomee pump models that are frequently included under insurance benefits:

Warming Wearable Breast Pump available through insurance

Warming Breast Pumps (W1)

Wearable breast pump with warming technology that mirrors your baby's natural nursing rhythm and warmth.

  • Hospital-Grade Strength
  • Warming Technology
  • 12 Suction Levels
  • BioBoost Cluster Feeding Mode
  • 4 Pumping Modes
  • Hands-Free Design
  • Whisper-Quiet Operation
 

Explore Mother's Nature W1

Wearable Breast Pump available through insurance

Wearable Breast Pumps (Fit)

Hands-free, wearable design with hospital-strength power, giving moms freedom and comfort wherever they pump.

  • Hospital-Grade Strength
  • Nipple Correction Mode
  • Premium Quality
  • Fullness Sensor
 

Explore Zomee Fit

Double Electric Breast Pump available through insurance

Double Electric Pumps (Z2)

Hospital-grade power in a wearable design with soft silicone cups for comfortable, hands-free pumping that fits in your day.

  • Customizable Comfort with 27 Suction Levels
  • Alternate Mode Technology
  • 2-Phase Mode
  • Hospital-Grade Strength
  • Ultra-Quiet & Night-Light Equipped
  • Portable & Rechargeable
 

Explore Zomee Z2

What To Expect When Ordering Through Insurance

Getting a breast pump through insurance is straightforward once you understand the timeline and steps involved. Here's what typically happens:

Timing: Most insurance plans allow you to order your breast pump during your third trimester or shortly after delivery. Checking your eligibility early helps you understand your specific timeline.

What You'll Need: In most cases, you'll need basic information like your insurance card, due date or baby's birth date, and potentially a prescription from your healthcare provider. Many insurance plans no longer require a prescription, but some still do. Your supplier will confirm exactly what's needed for your plan.

The Process: Once you verify your eligibility, here's what happens:

  • Coverage verification - The supplier confirms your benefits and which pumps are covered.
  • Pump selection - You choose from the available options under your plan.
  • Documentation submission - The supplier handles all paperwork with your insurance (you don't submit claims yourself).
  • Quick processing - The supplier handles your order and manages the delivery timeline.
  • Delivery - Your pump ships directly to your home at no cost.

How to Get a Breast Pump Covered By Insurance

Getting a breast pump covered by insurance is easy with our four-step process:

Step 1: Check Your Eligibility

Use our fast and secure form to confirm whether you're eligible for a free or low-cost breast pump through your insurance. 

Step 2: Explore Your Pump Options

Depending on your plan, you may qualify for a wearable breast pump or a double-electric pump.

Step 3: Connect With a Covered Supplier

We match you with an authorized Durable Medical Equipment (DME) that accepts your insurance and handles the documentation.

Step 4: Get Your Pump Delivered

Your insurance-covered Zomee pump is shipped directly to you! Usually within a few days.

Check Your Eligibility: See if Your Plan Qualifies for a Free Pump

Ready to see if you qualify for a free breast pump through insurance? Use our secure form to verify benefits and connect with a supplier that offers Zomee pumps.

  • Fast and secure submission
  • Accurate review of insurance-covered breast pumps
  • Connections to in-network Zomee suppliers
  • Easy order tracking from start to finish
Start your eligibility check now

Frequently Asked Questions

Does insurance really cover a free breast pump?

Yes! Under the Affordable Care Act, most health insurance plans cover a breast pump at no cost to you. That means many eligible moms can receive a breast pump with $0 out of pocket. While we don’t process insurance claims directly, we make it easy by connecting you with trusted DME (Durable Medical Equipment) partners who specialize in insurance-covered breast pumps and can help you obtain your pump through your insurance provider.

What insurance providers cover breast pumps?

Many insurance plans offer 100% coverage for breast pumps, including the following providers:

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Blue Shield of California
  • Blue Cross Blue Shield
  • BCBS Federal Employee Program
  • Cigna
  • Medical Mutual
  • Paramount
  • TRICARE

And many more! Check with your provider to see if your plan fully covers your breast pump.

What types of breast pumps are covered by insurance?

While this will vary based on your coverage; in general, insurance typically covers personal-use electric and wearable breast pumps.

The specific models available depend on your plan and network suppliers. Many plans now cover hands-free wearable pumps, which allow you to pump discreetly while moving around. Checking your eligibility shows which Zomee pumps are covered by your plan, including our double-electric, hands-free, and warming wearable models.

How do I know which pump I qualify for?

Once you’re connected to one of our DME partners, they’ll verify your insurance benefits and clearly outline which pumps you qualify for - no guesswork required. You’ll see your covered options upfront so you can confidently choose the pump that best fits your lifestyle.

Do I need a prescription to get a breast pump with insurance?

Some insurance plans may require a prescription to be submitted. If one is needed, our DME partners handle the process directly, often working with your healthcare provider on your behalf, so you won't have to worry about managing any extra paperwork.

When can I order my breast pump during pregnancy?

Most insurance plans allow you to order a breast pump during your third trimester, typically around weeks 28–32. Our DME partners can confirm timing based on your plan and help ensure your pump will arrive as soon as you’re ready to begin your pumping journey.

How long does it take to receive my breast pump?

Shipping timelines can vary by provider and plan. Many moms receive their pump within a few days to a week after approval. For the most accurate timeline, be sure to review shipping details directly on your DME partner’s website when submitting your information.

Is the breast pump really free?

Absolutely - your pump may be 100% fully covered with $0 out of pocket. Coverage depends on your specific benefits, and some pumps may require an upgrade fee. But rest assured, our DME partners will clearly outline all costs, coverage details, and options for you before you make a decision.

Can I get a pump after I’ve already delivered?

Yes! If you didn’t order before giving birth, you may still be eligible to receive a breast pump after delivery. Many insurance plans provide coverage for months postpartum, so it’s never too late to get the pumping support you need.

What if my insurance denies my breast pump claim?

If your claim is denied, don't worry! It's often due to minor documentation issues that can be resolved. Our DME partners are experienced in working with insurance companies and can help appeal denials or clarify coverage requirements. In some cases, you may need additional documentation from your healthcare provider, or your plan may have specific timing requirements. Your supplier will guide you through the next steps if any issues arise.