How to Get a Breast Pump Covered by Insurance (2026 Guide)

Most health insurance plans in the United States cover a breast pump at no cost. Under federal law, many plans are required to provide one breast pump per pregnancy, along with breastfeeding support and supplies. This guide explains exactly how to get a breast pump covered by insurance, step by step, including what to do if your coverage is denied.

How to Get a Breast Pump Covered by Insurance (Quick Answer)

To get a breast pump covered by insurance, confirm your eligibility with your insurance provider, determine whether a prescription is required, select an approved medical supplier, and order your pump during pregnancy or after delivery based on your plan’s guidelines.

Wearing pumping-friendly clothing can make breastfeeding easier while navigating insurance, returning to work, or pumping on the go.

Step-by-Step: How to Get a Breast Pump Through Insurance

1. Check your insurance coverage
   Most insurance plans cover one breast pump per pregnancy, though coverage varies by plan and provider.

2. Ask if a prescription is required
   Some insurers require a prescription from your OB-GYN, midwife, or healthcare provider before approving a breast pump.

3. Choose an approved medical supplier
   Insurance companies typically require you to order through an in-network durable medical equipment (DME) supplier.

4. Order your breast pump at the approved time
   Many plans allow ordering during the third trimester, while others require you to wait until after delivery.

5. Confirm what supplies are included
   Some insurance plans also cover replacement parts, milk storage bags, or additional breastfeeding support.

Why Insurance Covers Breast Pumps

Health insurance plans cover breast pumps as part of federally required breastfeeding support benefits. Coverage details vary depending on whether your plan is private insurance, employer-sponsored, or government-funded, so it’s important to confirm your specific benefits directly with your provider.

Many moms order their breast pump before returning to work, making it helpful to plan for pumping-friendly outfits that allow easy access without changing clothes.

Breast Pump Insurance FAQs

Pumping-friendly clothing allows moms to breastfeed by pumping comfortably while keeping their pump access discreet and hidden when not in use.

Does insurance cover wearable breast pumps?
Some insurance plans cover wearable breast pumps, while others offer them as an upgrade with an additional fee.

Can I get a breast pump before my baby is born?
Yes. Many insurance plans allow you to order your breast pump during the third trimester.

What if my insurance denies my breast pump?
You can request a written explanation and file an appeal. Your healthcare provider may also recommend an alternative supplier.

Does insurance cover pumping supplies too?
Some plans include replacement parts, milk storage bags, or additional breastfeeding support services.

This article was reviewed by breastfeeding moms and updated to reflect current insurance guidelines.

Last updated: January 2026