Insurance benefits for pregnancy, childbirth, and maternal health can be tricky to understand in the first place. No wonder! Each provider and each plan are different in how they address everything that goes into it.
Before the ACA, breastfeeding support through insurance was inconsistent—there were no mandates to cover anything having to do with breastfeeding. Some insurance policies may have been generous with access to high-quality breast pumps, lactation consultant visits, and even shipping milk. Still, lots of parents had zero support, even when they were covered by insurance.
The Affordable Care Act (ACA), signed into law by President Barack Obama in March 2010, changed this:
Mandated that mothers needed to be given reasonable break time and private space to express milk for up to 1 year after giving birth.
Required health insurance benefits to lower costs associated with providing breast milk to children.
Under the ACA, all private insurance companies have to provide coverage for comprehensive breastfeeding support — without any out-of-pocket costs for parents.
please mention the affordable care act when calling your insurance- its law!
Under the ACA, all private insurance companies have to provide coverage for comprehensive breastfeeding support — without any out-of-pocket costs for parents.
Getting the breastfeeding support you deserve through ACA
Since the ACA went into effect in 2010, insurance companies have changed their breastfeeding coverage policies. You should check with your insurance provider to see:
What kind of pump—brand, type of pump, and features—you’re entitled to have?
When and where can you get the pump?
Whether renting a hospital-grade pump is covered?
How much lactation support can you access?
Do you need preauthorization to work with a lactation consultant?
Where can you find a list of in-network lactation consultants?
Do they reimburse for out of network lactation consultants?
Did you know? Every time you give birth, your insurance provider has to offer you a breast pump AND access to breastfeeding education and support (i.e., lactation counseling) without making you take on a copay. THIS IS A FEDERAL LAW!
Ask questions and ask for help