Can You Get More Than One Breast Pump Through Insurance?

For many new moms, a breast pump is more than just a convenience—it’s an essential tool for maintaining milk supply, feeding flexibility, and supporting a return to work. Thanks to the Affordable Care Act (ACA), most insurance plans now cover the cost of a breast pump, which helps reduce the financial burden for families.

But a common question arises: Can you get more than one breast pump through insurance? Whether you’re a working mom who needs pumps in multiple locations, an exclusive pumper looking for backup, or simply curious about your options, understanding the rules around insurance coverage can make a big difference.

In this article, we’ll explore how breast pump coverage works, whether it’s possible to get more than one through your plan, and practical tips for moms who want to maximize their insurance benefits.

Understanding Insurance Coverage for Breast Pumps

The Affordable Care Act (ACA) Requirement

Under the ACA, most health insurance plans are required to cover the cost of a breast pump and related lactation support services. This policy ensures that new mothers have access to breastfeeding resources without additional out-of-pocket costs.

What Types of Pumps Are Covered?

Coverage can vary widely depending on your plan, but most insurers provide at least one of the following:

• Manual pumps – Simple, affordable, and lightweight.
  
• Standard electric pumps – More efficient, suitable for moms who pump regularly.
  
• Wearable or hands-free pumps – Increasingly popular, though not all plans fully cover them.
  
• Hospital-grade rental pumps – Typically reserved for medical necessity.
  

Variations by Plan and State

While the ACA sets the baseline, the specifics are left to insurance providers. That means one mom might get a free double electric pump, while another might only be eligible for a manual pump unless she pays for an upgrade.

 

Can You Get More Than One Breast Pump Through Insurance?

The General Rule

For most insurance providers, the standard policy is one breast pump per pregnancy. This means if you had a baby two years ago and received a pump, you’ll usually qualify for another when you have your next child.

Exceptions to the Rule

There are some circumstances where multiple pumps may be approved:

• Medical necessity – If your baby is premature, has trouble latching, or you face milk supply challenges, your doctor may prescribe a hospital-grade rental pump in addition to your standard one.
  
• Multiple births – Moms of twins or triplets may sometimes qualify for additional pumping support.
  
• Upgrade options – Some plans allow you to apply insurance funds toward a more advanced pump, with an out-of-pocket payment to cover the difference.
  

Replacement Policies

If your pump is lost, stolen, or damaged, some insurance providers may allow a replacement within the same pregnancy. Always check with your plan before purchasing another out of pocket.

 

Factors That Influence Coverage for Multiple Pumps

Type of Insurance Plan

• Private insurance often has more flexible options, including upgrades.
  
• Medicaid coverage varies by state, and some states limit the type or timing of breast pump distribution.
  

Timing of Requests

Most plans reset coverage per pregnancy, not per year. That means you won’t qualify for another pump simply because it’s a new calendar year.

Doctor’s Prescription

A prescription from your healthcare provider can sometimes expand your coverage, especially for medical necessity or rental pumps.

Insurance Network and Suppliers

Many insurers partner with specific medical equipment suppliers. This means you’ll need to order through an approved vendor to access your benefit.

Steps to Check If You Can Get More Than One Pump

Review Your Policy Documents Thoroughly

Start by looking over your insurance policy handbook or benefits summary. Search for terms like “breast pump,” “lactation support,” or “durable medical equipment (DME)”. These sections usually outline what’s covered, how often, and whether upgrades or replacements are allowed. Pay attention to any limitations, such as “one pump per pregnancy” or “manual pump only”.

Contact Your Insurance Provider Directly

Insurance coverage often depends on the fine print, so calling your provider can save time and prevent surprises. When speaking with a representative, ask specific questions like:

• Am I eligible for more than one breast pump per pregnancy?
  
• Does my plan cover both a manual and an electric pump?
  
• Can I get a wearable or hands-free pump?
  
• What are the rules for replacement if my pump breaks or is lost?
  

Taking notes during the call will help you compare your options later.

Ask About Approved Suppliers

Most insurers require you to order your breast pump through an in-network DME supplier. These suppliers often provide a list of pump options available under your plan. If you’re hoping to receive more than one pump, check whether different types (manual + electric, or electric + wearable) are available from the same supplier.

Explore the Role of a Doctor’s Prescription

In some cases, a doctor’s note can unlock additional coverage—particularly if you have a premature baby, medical complications, or low milk supply. Ask your healthcare provider if they can provide documentation to support your request for a hospital-grade pump rental or a second device.

Check for Special Circumstances

Insurance policies sometimes allow exceptions:

• Multiples (twins or triplets) may justify extra pumping support.
  
• Working moms with long shifts may benefit from a wearable upgrade.
  
• Medical conditions like mastitis or poor latch may qualify for temporary rentals.
  

Knowing which category you fall into makes it easier to advocate for yourself.

 

Alternatives if Insurance Only Covers One Pump

Use FSA or HSA Funds

If your insurance only provides one standard pump, you can still use Flexible Spending Account (FSA) or Health Savings Account (HSA) dollars to purchase an additional one. Since breast pumps are eligible medical expenses, this option lets you buy a second pump with pre-tax money, saving you between 20–30% depending on your tax bracket.

Invest in a Backup Pump Out of Pocket

Many moms find that having one pump at work and another at home reduces stress and saves time. For example, some use their insurance-covered pump as the main device and purchase a lightweight wearable option for on-the-go sessions. Even though it’s an extra cost, the convenience often pays off in less stress and more consistent pumping.

A good example of this approach is investing in the MomMed S21 wearable pump, which is compact, discreet, and perfect for pumping on the move, or the MomMed S10 Pro breast pump, which offers a large milk capacity and long-lasting battery—ideal for long workdays or travel. These can complement your insurance pump and give you flexibility in different settings.

Consider Renting a Pump

If you only need a second pump temporarily—perhaps while your main pump is being repaired or during the early days with a newborn—renting a hospital-grade pump from a pharmacy, hospital, or medical supply store can be a smart, short-term solution. Some rentals are covered by insurance with a doctor’s note, so check first.

Look for Discounts, Sales, and Bundles

Retailers and pump brands often offer discounts, especially during seasonal sales. Some companies provide bundles that include pumps with accessories like milk storage bags, flanges, or cooler bags at a reduced price. Signing up for brand newsletters can also unlock exclusive coupon codes.

Explore Community and Nonprofit Resources

Local breastfeeding support groups, community health centers, or nonprofits sometimes provide free or low-cost pumps to moms in need. WIC (Women, Infants, and Children) programs may also supply pumps if your insurance doesn’t meet your needs.

Mix and Match with Accessories

If buying another pump feels overwhelming, sometimes simply adding extra pump parts or accessories can create a more flexible setup. For example, having extra flanges, tubing, or milk collection cups can allow you to leave parts at work and keep another set at home—reducing the need to carry everything back and forth.

 

Choosing the Right Pump for Your Needs

Standard Insurance-Covered Pumps

These are ideal for moms who plan to pump occasionally or part-time. They may not have advanced features but are reliable for basic use.

Wearable and Hands-Free Options

Modern wearable pumps give moms more freedom and flexibility.

• MomMed S21: Compact, lightweight, and truly hands-free. Perfect for working moms or those on the go who want discreet pumping without being tied to a wall outlet.
  
• MomMed S10 Pro: Not a medical-grade pump, but designed for high convenience. With its large milk capacity and long-lasting battery life, it’s an excellent choice for moms who pump frequently and need reliability throughout the day.
  

When a Second Pump Is Worth It

• Moms returning to work who don’t want to carry a pump back and forth.
  
• Exclusive pumpers who need a backup in case one pump breaks.
  
• Parents of multiples who require extra pumping efficiency.

 

Tips for Maximizing Insurance Benefits

Work With Approved DME Suppliers

Most insurers require you to obtain your breast pump through a Durable Medical Equipment (DME) supplier that they’ve approved. These suppliers often have a selection of pump brands and models to choose from. Contact your insurance company for the list of approved vendors, and compare which pumps are available to ensure you’re getting one that meets your needs.

Get a Doctor’s Prescription

Some insurance providers require a prescription from your OB-GYN or midwife before approving a breast pump. Even if your plan doesn’t specifically ask for one, having a prescription on hand can speed up the process and open the door to more options, such as a hospital-grade rental pump if medically necessary.

Time Your Request Wisely

The timing of your request can impact your approval. Some insurers allow you to request a pump during pregnancy, while others require that you wait until your third trimester or after delivery. Applying early, within the allowed window, ensures you’ll have your pump ready when your baby arrives.

Ask About Replacement Parts and Accessories

Coverage may extend beyond just the pump itself. Many policies also include replacement tubing, flanges, valves, and breastmilk storage bags—but only if you ask. This can save you significant costs over time, since these parts need to be replaced regularly to maintain suction and hygiene.

Explore Additional Support Services

Insurance often covers more than just the device. Many plans include lactation consultant visits, either in-person or virtual, which can help you learn how to maximize your pump’s efficiency and troubleshoot any issues. Don’t overlook these services, as they can make your pumping journey smoother and more successful.

 

Conclusion

So, can you get more than one breast pump through insurance? In most cases, insurance covers one pump per pregnancy, with exceptions for medical necessity, multiple births, or special circumstances. While it’s unlikely you’ll receive two pumps for free without justification, there are many ways to supplement your insurance benefit—through FSA/HSA funds, rentals, or buying an additional pump.

For moms who want flexibility and comfort, modern wearable options like MomMed wearable breast pumps provide excellent support, whether as your primary pump or as a convenient second option.

At the end of the day, the best choice depends on your lifestyle, pumping frequency, and insurance plan. By doing a little research and asking the right questions, you can maximize your benefits and ensure you always have the tools you need to succeed in your breastfeeding journey.