So how do you get your insurer to pay for that pump? First, figure out if your plan is governed by the ACA. If it existed before March 23, 2010 (the day the ACA was signed) and it meets certain standards, it might be a "grandfathered" plan; call your insurance's customer service line to find out. While grandfathered plans don't have to offer the breastfeeding benefits required by the ACA, some still do - so don't give up hope yet. You can still move on to step two.
http://www.whattoexpect.com/first-year/get-a-breast-pump-through-your-health-insurance
What breastfeeding-related benefits does my plan offer?
What types of pumps are covered?
Can I get a specific brand of pump?
Is rental of an electric pump covered?
Do I need to buy or rent my breast pump from a certain supplier (i.e., a specific pharmacy, retailer, or medical supply company)?
Do I need a prescription from my doctor for my pump?
Can I request or buy the pump before my baby is born?
Next, find out what your benefits are in writing, because the important details can vary a lot. Talk to a customer service agent, and ask them to mail you the specifics. Questions to ask:
A good breast pump can really help you meet your breastfeeding goals, which in turn improves http://www.fda.gov/MedicalDevices/ProductsandMedicalProcedures/HomeHealthandConsumer/ConsumerProducts/BreastPumps/ucm061584.htm your health and your baby's (that's why pumps are considered a preventive service!). So take advantage of this important, money-saving benefit.
Also be aware that some insurers only cover the cost of a manual breast pump (which is good for occasional but not frequent use), while others pay for you to buy or rent an electric double-breast pump (which you'll want especially if you're working away from your baby). But even if your insurer doesn't normally pay for an electric pump, they may be more likely to cover it if you're pumping for medical reasons, like if your baby is a preemie, or if she has other medical conditions that make it difficult for her to nurse (like Down syndrome or cerebral palsy), or if you have supply issues. If any of these apply to you, talk to your insurer, who will likely require a doctor's note stating that an electric pump is medically necessary.
Updated 3/12/14
Note that in many cases you'll need to get your breast pump from a specific medical supply company (sometimes called a "durable medical equipment" supplier, or DME) that's designated by your insurer. Make sure to call that supplier as soon as possible to see if they have the pump you want and how long it will take to get it, since you'll want to have it as soon as your baby arrives. If the supplier doesn't offer the pump you want (or it won't be in stock in time), you may be able to shop elsewhere -- as long as you pick up part of the cost. Just go back to your insurance carrier and ask first.
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