Maternity Monday: Know your Insurance

Having a baby can come with a pretty hefty price tag. Between your maternity care, baby’s doctor bills,  clothes, shoes, bottles, breastpumps, etc. you may find yourself strapped for cash at times. But being in-the-know when it comes to your insurance plan can save you tons of money.

I received a pretty big Doctor’s bill in the mail a couple of weeks ago for something I know my insurance covers. So, I made a phone call to my insurance company and they handled the issue right away. The representative on the phone then asked me, “Are you aware of the benefits you have for your baby?” I said, “No.” He proceeded to tell me that I could get either a manual or a double electric breast pump and the use of a Lactation Consultant both totally covered by my insurance plan. Wow!

The reason: The Affordable Care Act (ACA), which was signed into law in 2010. There are many parts of the ACA, but one of the most valuable is that ACA requires health plans to cover breastfeeding support and supplies. Many health plans began implementing this coverage on or after August 1, 2012. If you have a private insurance carrier or commercial insurer, this law applies to you. Currently this law does not cover Medicaid or WIC. If you have a FSA (Flexible Spending Account) you can even purchase a pump of your choice through an accepted distributor.

Mumsies, we all know how expensive Breast Pumps are, they start at about $50 and can go well into the $400 range. So this one piece of information alone was shocking to me. For mommies who plan to return to work after giving birth, a double electric pump is a must! Who has time for a manual pump when you have a deadline in an hour?  For me, The Pump, the carrying bag, bottles, and 150 milk storage bags came with my particular plan; every 90 days I am eligible to get 150 more milk storage bags. The brand that my plan covers is Ameda, but there are some plans who cover Medela (HELLO!!…my Freestyle Pump is the best thing since sliced bread), Lansinoh, Playtex, etc. The use of a Lactation Consultant is awesome! Breastfeeding can be somewhat of a struggle but it is the best thing for your baby, so having a professional to teach you, guide you, and encourage you is very valuable.

I encourage all of my Posh & Pregnant Mumsies to give your Insurance Company a call to see what your plan covers as far as the the ACA is concerned.

Check out this infographic from the Medela website on the ACA:

ACA InfographicLove, Hugs, and Spreading Knowledge,

Ericka

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5 responses to “Maternity Monday: Know your Insurance

  1. Who do you have if you dont mind me asking? I have Kaiser, a co-worker told me breast pumps are covered i’ll have to double check tho!

    • I have Blue Cross Blue Shield. There was a comment on our IG post from a mom (Khloe) who has Kaiser and she said that her doctor’s office checked her benefit plan for and she found out she was eligible to receive a breast pump. 🙂 She didn’t say what brand/model though.

  2. Ericka,

    Great post! There was an article in the New York Times today that talked about the cost of having (not raising but giving birth) to a baby in the United States. My jaw dropped as I read it while eating my cereal. This is very informative for us one-day-to-be mommies out there. Thank you for sharing!

    • Thank you for taking the time out to read my post! 🙂 I would definitely love to read the New York Times article…when I saw the break down of my hospital stay after having Aria, I was FLOORED!

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