Congratulations on your pregnancy or the birth of your child! You most likely have the adorable outfits washed and put away, the crib ready to go, and are basking in the feeling that very soon you will get to hold your baby boy or girl. One question you might be asking yourself, though, if you are planning on breastfeeding, is should I get a breast pump? At Lehan’s we are happy to help mothers find a breast pump that fits their lifestyle and unique needs! In addition, did you know that many insurance companies are now helping to cover at least a portion of the cost of a breast pump?
While having a baby is an enjoyable experience, getting a breast pump through your insurance company might be a little more of a headache. To help ease that burden, at Lehan’s we have come up with some helpful tips to try and make the process as painless as possible (or as painless as dealing with an insurance company can be!).
If you call your insurance company, they might mention that a breast pump is covered at 80-100% of an ‘allowable amount’. You may think, “Wow! 80% of the cost for my pump, that’s fantastic!” but your insurance may not necessarily be giving you all the facts. An allowable amount is a set dollar amount that your insurance company covers for a specific item. So while they say they cover 80-100% of an allowable amount, in reality that may translate to about $60-125 dollars towards a pump. Another good thing to know about an allowable amount is that it only covers the breast pump itself, not accessories that can be purchased separately.
In addition, you may have to deal with that dreaded thing called a deductible. You may know what your deductible is, but if not, a deductible is a set annual amount of healthcare costs that you are required to pay before insurance will consider payment for your breast pump. Though this may not be the case for everyone, it is a good idea to ask your insurance company about your deductible or have us ask for you. We are here to help!
Finally, some insurance companies may also require a prior authorization in order to pay for a breast pump. A prior authorization is a program that requires specific conditions be met before coverage is granted for the member. If your insurance requires a prior authorization, don’t worry, we can help with that as well. Typically it’s just a quick fax between the doctor’s office and insurance company.
Lehan’s Can Help!
So how can we help? At Lehan’s we will help in any way we can to make your breast pump purchase as hassle-free as possible. We can contact your insurance company on your behalf and determine your coverage level as well as any specific insurance requirements. To help, we will need the following:
1) Your name, date of birth, address, phone number, email address
2) Insurance ID and group number
3) A prescription from your doctor that says ‘Double Electric Breast Pump’.
4) Due Date! Insurance companies won’t cover breast pumps until the baby is born!
You can fill out the Breast Pump Insurance Form here: BREAST PUMP FORM