If you’re expecting or just welcomed a new baby, having a reliable breast pump can really help you reach your breastfeeding goals. The good news? You may be able to get the best breast pump through insurance with little to no cost.
Thanks to the Affordable Care Act, most health insurance plans are required to cover breast pumps. But the process can be confusing if you don’t know where to start. In this guide, we’ll walk you through how insurance coverage works, which breast pumps are actually worth it, and exactly how to claim yours—without the runaround.
Are Breast Pumps Covered by Insurance?
Yes, in most cases they are. Thanks to the Affordable Care Act (ACA), most private health insurance plans must cover the cost of a breast pump and breastfeeding support as part of preventive care. That means you can typically get a pump with no copay, no deductible, and no out-of-pocket expense—as long as you follow your plan’s process.
However, about 20% of employers still offer “grandfathered” health plans, which aren’t bound by the ACA’s requirements. If you’re enrolled in one of these, your insurer might not cover a pump at all.
For most plans that do cover breast pumps, details can vary. Some insurers include hospital-grade pumps, while others limit coverage to standard electric pumps or even only manual models. In some cases, you might only be allowed to rent a pump rather than own one outright.
Insurers can also set certain conditions, like using in-network durable medical equipment (DME) suppliers, getting a prescription from your doctor, or waiting until a specific point in pregnancy or after delivery. These steps are permitted as long as they don’t result in any out-of-pocket costs for the covered preventive benefit.
Moreover, if your plan offers a basic model at no cost but gives you the option to pay extra for an upgrade, it still meets the minimum coverage requirement.
Even with the challenges, having one of the best breast pumps can make all the difference in keeping up with breastfeeding after you return to work or school. That’s why it’s worth the effort to take advantage of this benefit whenever you can.
Best Breast Pumps Through Insurance
When choosing the best breast pump to get through insurance, you want something reliable, comfortable, and easy to use whether you’re at home, commuting, or pumping at work.
The good news? Some of the most innovative wearable pumps are now insurance-eligible, including the eufy S1 series. Here’s why you’ll love the eufy Breast Pump S1 and S1 Pro:
eufy Breast Pump S1 Pro
The eufy Breast Pump S1 Pro is a hands-free, in-bra, double electric pump designed with built-in HeatFlow™ warming. It offers seven adjustable heat levels (ranging from around 95°F to 105°F), which help soften tissue, encourage letdown, and reduce the risk of clogged ducts.
The pump connects to the eufy Baby app, where you can customize 7 suction intensities, 3 speeds, and 4 rhythms to mimic your baby’s natural nursing patterns. You get hospital-grade suction (up to 300 mmHg), a quiet motor, and a leak-resistant closed system that keeps milk flow safe from backflow.
What really sets the S1 Pro apart is its portable magnetic charging case. Instead of needing to plug in daily, you can recharge on the go—one full charge provides up to five days of pumping.
It’s a strong option if you’re traveling, working long shifts, or simply want fewer cords in your life. The S1 Pro also includes multiple flange sizes (from 17 mm to 24 mm) for a better fit and added comfort.
What’s good:
- Seven-level HeatFlow™ warming to aid comfort and flow.
- Portable magnetic charging case with up to five days of power.
- OptiRhythm™ app control: 3 cycle speeds, 4 rhythm modes, 7 intensity levels.
- Hospital-strength suction (up to 300 mmHg) in a quiet (46 dB) wearable form.
- Ergonomic 105°, BPA-free silicone flange for a comfortable, secure fit.
- Multiple flange inserts (17–24 mm) and double-seal leak protection.
eufy Breast Pump S1
The eufy Breast Pump S1 shares the same core design as the Pro. It’s wearable, hands-free, and fits discreetly inside your bra. It also features HeatFlow™ technology, which warms the flange gently to ease discomfort and keep milk flowing—up to 30% more, a benefit shared by many eufy moms.
With OptiRhythm™, you can choose from 4 pumping rhythms, 3 cycle speeds, and 7 suction levels in the eufy Baby app to create a session that matches your body’s needs. It’s light, quiet, and designed for comfort with an ergonomic 105°, soft silicone flange and a closed system to prevent backflow.
Unlike the Pro, the S1 doesn’t include a separate charging case. Instead, it runs on a built-in rechargeable battery that supports 4-6 pumping sessions on a single charge, ideal for daily routines close to home or office outlets.
What’s good:
- Integrated HeatFlow™ for comfort and flow support.
- Personalized pumping via eufy Baby app with 3 cycle speeds, 4 rhythm modes, 7 intensity levels.
- 105° ergonomic flange made from BPA-free, food-grade soft silicone.
- Quiet operation with hands-free in-bra fit.
- Closed system and leak-resistant seal.
- Flange sizes included (17–24 mm) for better fit.
- 4–6 sessions per charge with a 5 oz cup capacity.
How to Get a Breast Pump Through Insurance?
Getting the best free breast pump through insurance is easier than you might think—once you know the steps. Here’s how to navigate the process confidently:
Step 1: Call Your Insurance Provider
Start by calling the member services number on your insurance card. Ask specific questions:
- Do I qualify for a free breast pump?
- Do you cover electric, wearable, or hospital-grade models, or just manual ones?
- Which brands or models are approved?
- Do I need to wait until the baby is born to order?
- Will I need a prescription?
- What medical equipment suppliers (DMEs) are in-network?
- Are upgrades allowed, and if so, what would I pay?
Step 2: Get a Prescription or Letter of Medical (If Required)
Many insurance plans require a prescription, even if breast pumps are considered preventive care. Have your OB/GYN, midwife, or primary care provider write one for a “standard electric breast pump” unless a specific medical condition calls for a hospital-grade version. This helps avoid limitations later if the brand or model you choose doesn't match the prescription exactly.
Step 3: Choose an In-Network Supplier
Your plan likely requires you to go through a durable medical equipment (DME) supplier. This is the best company to order a breast pump through insurance, because they’re the ones authorized to verify your benefits, handle the paperwork, bill your plan, and ship the pump to you.
Your insurer should provide a list of in-network DME options. Look for one that’s easy to work with, responsive, and offers a smooth ordering process.
Step 4: Understand Any Upgrade Fees
Standard electric pumps are often covered at no cost, but wearable or hands-free models might require an “upgrade fee.” If that’s the case, you may still be able to use your HSA or FSA funds to cover the difference. These accounts can also help pay for accessories like extra flanges or milk storage bags. Just be sure the DME provides an itemized receipt for reimbursement.
Step 5: Submit Paperwork Promptly
Once you’ve chosen a supplier, send over any required documents—prescription, insurance details, and any forms they need. The sooner you submit, the sooner you’ll receive your pump.
Step 6: Don’t Accept a Denial at Face Value
If your request is denied, don’t panic—and definitely don’t give up. Many insurance denials are overturned after appeal. Sometimes it’s a simple fix, like resubmitting paperwork or getting additional documentation from your provider.
You can start by calling your insurance to understand why it was denied. Then, work with your doctor to provide any missing records or a stronger statement of medical necessity. If an internal appeal fails, most states allow you to request a third-party review.
Bonus: If Insurance Isn’t an Option
If your plan doesn’t cover pumps, or you’re uninsured, check with your local WIC (Women, Infants, and Children) office. They often provide free or loaned breast pumps to eligible moms, especially in cases of medical need or premature birth.
Conclusion
Getting the best breast pump through insurance doesn’t have to feel confusing or overwhelming. With a little preparation—understanding what your plan covers, knowing how to navigate the process, and choosing a pump that fits your routine—you can access high-quality equipment at little to no cost.
And since insurance now covers many top-performing models, like the eufy S1 series, you don’t have to compromise. Take the time to check your benefits, ask the right questions, and explore your options. You deserve tools that support your feeding goals from the start.
FAQs
What is the #1 breast pump?
There’s no one-size-fits-all, but the eufy Wearable Breast Pump S1 Pro stands out for comfort, smart features, and portability. Its built-in HeatFlow warming, app customization, and 300 mmHg hospital-grade suction make it a top choice for parents looking for a smart, hassle-free experience. If you need a pump that fits into real life, whether you’re at work, home, or on the move, the S1 Pro delivers performance and convenience without compromise.
Can I choose the pump I want with insurance?
In many cases, yes—but with limits. Insurance plans typically cover specific breast pump models through approved suppliers. You can often choose from a list of covered options, and in some cases, pay the difference to “upgrade” to a model you prefer. It’s important to check with your provider to understand what’s included and whether your preferred pump is eligible under your plan.
What breast pumps do lactation consultants recommend?
Lactation consultants often recommend pumps that support both comfort and efficiency—especially for those who pump frequently or return to work early. The eufy S1 and S1 Pro are highly regarded for their warming technology, hospital-grade suction, customizable settings, and wearable design, which support consistent output and ease of use. Their quiet motor and app control also make them practical for daily routines, helping parents pump comfortably and confidently wherever they are.
