Breast pumps are essential for many new mothers, especially those who plan to return to work or have trouble breastfeeding directly. The cost of a high-quality breast pump can be prohibitive, which is why many women rely on their health insurance to cover this expense. Blue Cross Blue Shield (BCBS) is one of the largest health insurance providers in the United States, and it’s natural to wonder if they cover breast pumps.
The Affordable Care Act (ACA) requires most health insurance plans, including those offered by BCBS, to cover breastfeeding equipment and counseling. This means that BCBS typically covers breast pumps as part of their preventive care services. However, the specifics of the coverage can vary depending on the individual plan and the state in which the policy is issued.
Types of Breast Pumps Covered by BCBS
BCBS often covers different types of breast pumps, including:
- Manual Breast Pumps: These are handheld pumps that require the user to create suction by squeezing a handle. They are often less expensive than electric pumps but can be more time-consuming to use.
- Electric Breast Pumps: These pumps use a motor to create suction and are generally faster and more efficient than manual pumps. They can be more expensive, but they are often preferred by mothers who need to express milk frequently.
- Double Electric Breast Pumps: These pumps allow mothers to express milk from both breasts simultaneously, which can save time and increase milk production.
- Hospital-Grade Breast Pumps: These are high-end pumps designed for frequent use and are often rented by hospitals and lactation consultants.
How to Get a Breast Pump Covered by BCBS
To get a breast pump covered by BCBS, follow these steps:
- Check Your Policy: Review your insurance policy documents or contact BCBS directly to confirm that breast pumps are covered under your plan.
- Choose a Covered Pump: Select a breast pump that is covered by your BCBS plan. You can often find a list of covered pumps on the BCBS website or by contacting their customer service.
- Get a Prescription: You may need to get a prescription from your healthcare provider for a breast pump. This prescription will be required when you submit a claim for reimbursement.
- Submit a Claim: After purchasing a breast pump, submit a claim to BCBS for reimbursement. Be sure to include your prescription and any other required documentation.
BCBS Breast Pump Coverage Limitations
While BCBS typically covers breast pumps, there may be some limitations to the coverage:
- Deductible and Co-pay: You may need to pay a deductible or co-pay for your breast pump, depending on your individual plan.
- Pump Type: BCBS may only cover certain types of breast pumps, such as manual or electric pumps.
- Rental vs. Purchase: Some plans may only cover the rental of a breast pump, rather than the purchase of one.
- Frequency: BCBS may limit the frequency at which you can receive a new breast pump, such as every 2-3 years.
FAQs
Does BCBS cover breast pumps for all policyholders?
+BCBS typically covers breast pumps for most policyholders, but coverage may vary depending on the individual plan and state.
Can I get a breast pump covered by BCBS before giving birth?
+Yes, BCBS often covers breast pumps before giving birth, but you may need to get a prescription from your healthcare provider.
How do I know which breast pumps are covered by BCBS?
+You can check the BCBS website or contact their customer service to find a list of covered breast pumps.
In conclusion, BCBS typically covers breast pumps as part of their preventive care services, but the specifics of the coverage can vary depending on the individual plan and state. By understanding the types of breast pumps covered, how to get a pump covered, and any limitations to the coverage, you can make informed decisions about your breastfeeding journey. Remember to always check your policy and contact BCBS directly if you have any questions or concerns.
