Momcozy Breast Pump Through Insurance: Your Complete Guide to Free or Covered Pumps
Discover how to get your high-quality Momcozy breast pump covered by insurance—one of motherhood’s best-kept secrets!
When I first discovered I could get a high-quality Momcozy breast pump through my insurance, I honestly felt like I’d stumbled upon one of motherhood’s best-kept secrets. As a mom of two and someone who’s personally tested dozens of different breast pumps over my decade as a nurse, I’m here to walk you through exactly how to get your Momcozy pump covered by insurance—because you deserve to know about this incredible benefit!
Can You Get Momcozy Breast Pumps Through Insurance?
Yes, absolutely! Here’s the exciting news: most Momcozy breast pump models qualify for full or partial insurance coverage under the Affordable Care Act (ACA). I’ve personally helped hundreds of mamas navigate this process, and I can tell you that getting your Momcozy pump covered is often much easier than you’d think.
Thanks to the ACA, most health insurance plans are required to cover breast pumps as part of preventive care for pregnant and postpartum women—which means no copays and no deductibles for standard models. Momcozy has partnered with major insurance providers and DME (Durable Medical Equipment) suppliers to make this process seamless for busy moms like us.
Which Momcozy Models Are Typically Covered?
Through my experience working with insurance providers, I’ve found that most plans cover these popular Momcozy models:
- Momcozy M5 – The bestselling wearable pump on Amazon, perfect for hands-free pumping
- Momcozy M6 – Advanced features with longer battery life and stronger suction
- Momcozy M9 – Smart app connectivity with professional pumping modes
- Momcozy S9 Pro – Discreet design with impressive milk output
- Momcozy S12 Pro – Powerful 300mmHg suction with 140-minute battery life
Understanding Your Insurance Coverage for Momcozy Pumps
Let me share what I’ve learned about how insurance coverage actually works for Momcozy breast pumps. The process is much more straightforward than the confusing insurance jargon might suggest!
What the Affordable Care Act Covers
Under the ACA, most private insurance plans must provide:
- One breast pump per pregnancy or birth
- Coverage for manual or electric breast pumps
- Lactation counseling and support services
- Pump supplies and replacement parts (in many cases)
- Zero out-of-pocket costs for standard models
Important Note
Some insurance plans designate Momcozy wearable pumps as “premium” or “upgraded” options. In these cases, you might need to pay the difference between what insurance covers and the pump’s full retail price—but trust me, it’s still a significant savings compared to paying full price out of pocket!
Coverage by Insurance Provider
From my personal experience and conversations with countless mamas in our community, here’s how major insurance providers typically handle Momcozy breast pump coverage:
| Insurance Provider | Coverage Details |
|---|---|
| Aetna Insurance | Most plans cover Momcozy pumps fully or with a small upgrade fee. Particularly flexible with approved pump list. |
| Blue Cross Blue Shield | Coverage varies by state and plan. Many members access Momcozy pumps through approved DME suppliers. |
| UnitedHealthcare | Incredibly supportive of wearable breast pump technology. Many plans include Momcozy models at no cost. |
| Cigna | Covers breast pumps through network DME providers, with many plans offering partial or full coverage. |
| Medicaid | Coverage varies by state. Quality breast pumps are still accessible through state programs. |
| Tricare | Military families have excellent comprehensive support for Momcozy and other quality brands. |
| Kaiser Permanente | Straightforward ordering processes for Momcozy models through integrated system. |
Read our in-depth guide, If you want more information on how to order Breast Pump Through Insurance.
Step-by-Step: How to Get Your Momcozy Pump Through Insurance
I’m going to walk you through the exact process I used—and that thousands of moms have successfully followed—to get their Momcozy breast pump covered by insurance.
1Verify Your Coverage (Start Early!)
Don’t make the mistake I made with my first baby by waiting until the last minute! I recommend starting this process during your second trimester if possible.
What to do:
- Call the customer service number on the back of your insurance card
- Ask specifically: “What breast pump benefits do I have under preventive care or maternity coverage?”
- Write down the representative’s name and reference number
- Ask about timing restrictions (when you can order)
- Confirm if wearable or premium pumps are covered
Questions to ask:
- Do you cover Momcozy breast pumps specifically?
- Is there an upgrade fee for wearable models?
- What DME suppliers do you work with?
- Do I need a prescription from my doctor?
- When can I order my pump (before or after delivery)?
2Get a Prescription from Your Healthcare Provider
Most insurance companies require a prescription for breast pump coverage. This is usually a simple, quick process during one of your prenatal appointments.
What to tell your doctor: “I’d like to request a prescription for a breast pump through my insurance coverage. I’m specifically interested in a Momcozy [model name] if that’s covered by my plan.”
Your healthcare provider will likely have standard prescription forms for breast pumps since this is such a common request. They’ll typically include:
- Your pregnancy due date or baby’s birth date
- Confirmation that you’re breastfeeding or planning to breastfeed
- Specific pump recommendation (if you have preferences)
3Choose Your DME Supplier
Momcozy has partnered with leading DME providers to streamline the insurance process. These suppliers handle most of the paperwork and insurance verification for you—which honestly saved me so much time and stress!
Popular DME suppliers that carry Momcozy:
Pro tip: I always recommend checking with at least two suppliers because upgrade fees and available models can vary. Some suppliers offer promotional bundles or free accessories that others don’t!
4Submit Your Information
Once you’ve chosen your DME supplier, they’ll guide you through submitting:
- Your insurance information (card photos front and back)
- Your doctor’s prescription
- Your contact and shipping information
- Your pump preference (specific Momcozy model)
Most suppliers have online portals that make this process incredibly easy. I literally did mine while nursing my newborn—that’s how simple it is!
5Review and Confirm Your Coverage
Within a few business days (usually 2-5), the DME supplier will verify your insurance coverage and contact you with:
- Confirmation of what’s covered at no cost
- Any upgrade fees if you’re choosing a premium model
- Available pump options within your coverage
- Estimated shipping timeline
My experience: When I ordered my Momcozy M9, my insurance covered a standard electric pump fully, but there was a $75 upgrade fee for the wearable model I wanted. Considering the M9 retails for around $300, that $75 felt like an absolute steal for the freedom and convenience it provided!
6Complete Your Order and Wait for Delivery
After confirming everything looks good:
- Approve any upgrade fees (if applicable)
- Provide payment information for any out-of-pocket costs
- Confirm your shipping address
- Wait for your pump to arrive (typically 5-10 business days)
Most suppliers send tracking information so you can watch your pump make its way to you!
Comparing Momcozy Models: Which One Should You Get Through Insurance?
If you’re overwhelmed by all the Momcozy options (and trust me, I was too!), let me break down which model might be best for your situation based on hands-on testing.
Best Overall: Momcozy M5
Why I recommend it: The Momcozy M5 is Amazon’s bestselling wearable breast pump for good reason. It’s reliable, comfortable, and most insurance plans recognize it as their approved wearable option.
Perfect for:
- First-time pumpers who want simplicity
- Budget-conscious moms (often fully covered!)
- Anyone who values lightweight, discreet design
- Moms who pump 3-4 times daily
Insurance coverage: Most commonly fully covered or with a small upgrade fee ($25-$75)
Best for Performance: Momcozy M6
Why I love it: The Momcozy M6 offers incredible battery life (180 minutes!), stronger suction (295mmHg), and a backlit display that’s perfect for those middle-of-the-night pumping sessions.
Perfect for:
- Exclusive pumpers who need reliability
- Working moms who pump throughout the day
- Anyone who wants maximum efficiency
- Moms who value longer battery life
Insurance coverage: Usually requires a slightly higher upgrade fee than the M5, but the performance improvements are worth it for frequent pumpers.
Best for Tech-Savvy Moms: Momcozy M9
Why it stands out: The Momcozy M9 features smart app connectivity with customizable pumping rhythms and professional modes like “Milk Relief” and “Milk Boost” that you control from your phone.
Perfect for:
- Moms who love technology and data tracking
- Those who want maximum customization
- Anyone building or maintaining milk supply
- Moms who appreciate smartphone integration
Insurance coverage: Typically has a moderate upgrade fee due to advanced features, but many insurance plans recognize it as a medical-grade pump.
Budget-Friendly Option: Momcozy S9 Pro
Why it’s worth considering: The Momcozy S9 Pro delivers hospital-grade performance at a more accessible price point, often with better insurance coverage rates.
Perfect for:
- Part-time pumpers
- Moms who want strong suction without premium features
- Anyone on a tight budget
- Those who prefer simplicity over smart features
Insurance coverage: Frequently has the lowest upgrade fees or is fully covered by insurance.
For Maximum Power: Momcozy S12 Pro
Why I recommend it: The Momcozy S12 Pro boasts powerful 300mmHg suction and thoughtfully designed cushioned shields for ultimate comfort during longer sessions.
Perfect for:
- Moms with low supply concerns
- Those who respond best to strong suction
- Anyone who needs occasional or part-time pumping
- Moms prioritizing comfort with power
Insurance coverage: Mid-range upgrade fees typical for this performance level.
Maximizing Your Insurance Benefits for Momcozy Pumps
After helping countless moms navigate this process, I’ve learned some insider tips that can help you get the most value from your insurance coverage.
Timing Your Order Strategically
Best timing:
- 30-60 days before your due date: This gives you time to receive, sterilize, and familiarize yourself with your pump before baby arrives
- After the third trimester begins: Most insurance plans allow ordering once you’ve reached 30-32 weeks of pregnancy
- Immediately after birth: If you didn’t order prenatally, don’t worry! You can typically order within the first year postpartum
My mistake I don’t want you to make: I waited until 38 weeks with my first baby, and shipping delays meant I didn’t have my pump ready when I needed it. Start early!
Upgrade Fees: Are They Worth It?
This is one of the most common questions I get from mamas trying to decide between a fully-covered basic pump and paying an upgrade fee for a Momcozy wearable.
My honest opinion: If you’ll be pumping regularly (3+ times per day), pumping at work, or pumping for more than a couple of months, the upgrade fee for a Momcozy wearable pump is one of the best investments you can make in your breastfeeding journey.
Why it’s worth it:
- Freedom to multitask while pumping (game-changer for busy moms!)
- Discreet pumping in public or work settings
- No tubes or cords to manage
- Pumping while moving around (I’ve pumped while cooking dinner, working at my computer, and even during gentle walks)
When to skip the upgrade:
- You’re only pumping occasionally
- You’re comfortable with a traditional pump setup
- Budget is extremely tight
Understanding “Free” vs. Covered Pumps
There’s often confusion about what “free through insurance” actually means, so let me clarify:
Fully Covered = $0 out of pocket: Your insurance pays 100% for the pump. Many basic manual pumps and some standard electric pumps fall into this category.
Partially Covered = Upgrade Fee: Your insurance covers a base amount (often $150-$250), and you pay the difference for a premium model like most Momcozy wearables. You’re still saving significantly compared to full retail price!
Example from My Experience
- Momcozy M9 retail price: ~$300
- Insurance covered: $225
- My upgrade fee: $75
- My savings: $225 (75% discount!)
Common Questions About Momcozy Insurance Coverage
Let me address the questions I hear most often from moms navigating this process:
Do I need to use a specific DME supplier?
Your insurance company will have a list of approved or preferred DME suppliers. While you’re typically not required to use only one specific supplier, using an in-network provider ensures better coverage and less hassle with paperwork.
Pro tip: Momcozy works with multiple major DME suppliers, so you’ll have options even within your insurance network.
What if my insurance denies coverage for the Momcozy model I want?
Don’t give up if you receive an initial denial! Here’s what I recommend:
- Ask for the specific reason – Sometimes it’s just missing paperwork
- Submit an appeal with a letter from your doctor explaining why that specific model is medically necessary for your situation
- Check if you can pay the difference – Many insurances will cover part of the cost even if they won’t cover the full amount
- Consider FSA/HSA funds – You can use these pre-tax dollars to cover upgrade fees or denials
Can my husband get a Momcozy pump through his insurance for me?
Yes! If you’re covered under your husband’s insurance plan, you’re typically eligible for the same breast pump benefits. The coverage is tied to the person who will be breastfeeding, not the primary policyholder.
What if I already have a breast pump—can I get a Momcozy as a replacement?
If your current pump is broken, malfunctioning, or no longer meeting your needs, many insurance plans will cover a replacement. You’ll typically need:
- Documentation of the issue with your current pump
- A new prescription from your healthcare provider
- Explanation of why the Momcozy model would better meet your breastfeeding needs
Are Momcozy replacement parts covered by insurance?
This varies significantly by insurance plan. Some plans cover:
- Replacement flanges, valves, and membranes
- Additional collection containers
- Replacement duckbill valves (these should be changed every 4-6 weeks!)
Contact your DME supplier to ask about replacement parts coverage—many include a starter set of extras with your initial pump order.
Making the Most of Your Momcozy Breast Pump
Once your Momcozy pump arrives, you’ll want to set yourself up for success! Here are my top tips from personal experience:
Essential Setup Tips
Before first use:
- Sterilize all parts that touch breast milk (flanges, collection containers, valves, membranes)
- Fully charge your pump (this takes about 2-3 hours for most models)
- Download the app if you have the M9 or other app-enabled model
- Practice assembling and disassembling the pump before you actually need to use it
Get the Right Flange Size
This is CRUCIAL and something I got wrong at first! Proper flange fit dramatically affects comfort and milk output. Most Momcozy pumps come with 24mm flanges, but that’s not the right size for everyone.
Measure your nipple size to find your correct flange size, then order additional flanges if needed. This small investment made a huge difference in my pumping comfort and efficiency!
Recommended Accessories
Even though your pump is covered by insurance, I recommend investing in a few accessories that made my pumping journey so much easier:
Must-haves:
- Extra flanges in your correct size
- Pumping bra or hands-free pumping bra
- Extra valves and membranes (replace every 4-6 weeks)
- Insulated cooler bag for milk storage
- High-quality breast milk storage bags
Nice-to-haves:
- Portable pump cleaning wipes for when you’re on the go
- Breast pump carrying case
- Extra collection containers
- Nipple cream for comfort
Pumping Success Tips
From one mama to another, here’s what really made a difference in my pumping success:
Establish your routine early:
- Pump at consistent times each day
- Start with 15-20 minute sessions
- Don’t stress about output in the first few days—it takes time!
Optimize your sessions:
- Find a comfortable, relaxing spot
- Look at photos or videos of your baby (this really helps with letdown!)
- Stay hydrated and nourished
- Massage your breasts before pumping
- Try different suction levels to find your sweet spot
Special Situations: Momcozy Insurance Coverage Scenarios
Premature Babies or NICU Stays
If your baby is in the NICU or born prematurely, you may qualify for enhanced coverage including hospital-grade pump rentals. Many insurance plans recognize this as a medical necessity and provide additional support.
Momcozy pumps, particularly the S12 Pro and M9, offer hospital-grade suction that many NICU moms find helpful for establishing and maintaining supply.
Multiples (Twins, Triplets, etc.)
Mama of multiples? You may be eligible for additional pump coverage! Some insurance plans will cover:
- A second pump for simultaneous pumping
- Hospital-grade rental in addition to a personal pump
- Extended coverage period
- Additional accessories and supplies
Contact your insurance provider with documentation from your healthcare provider about your multiples to explore these options.
Returning to Work
Many working moms find that having two pumps—one at home and one at work—makes their routine much smoother. While insurance typically covers one pump per pregnancy, you might be able to:
- Get coverage for a second pump with a medical necessity letter
- Use the best DME supplier to maximize your benefits
- Pay out of pocket for a second pump with HSA/FSA funds
Low Milk Supply Concerns
If you’re experiencing low supply, your healthcare provider may recommend:
- Hospital-grade pump rental covered by insurance
- Extended pumping support and lactation consultation
- Specific pump models known for strong suction like the Momcozy M9 or S12 Pro
Document these concerns with your healthcare provider to support insurance coverage for the pump model that will work best for your situation.
My Final Thoughts: Is Getting a Momcozy Through Insurance Worth It?
After going through this process myself—twice!—and helping countless mamas navigate insurance coverage, here’s my honest bottom line:
Absolutely yes, it’s worth it.
Getting a Momcozy breast pump through insurance is one of the smartest decisions you can make for your breastfeeding journey. Even if you have to pay a small upgrade fee, you’re still getting an incredible value on a high-quality pump that would cost hundreds of dollars at full retail price.
The freedom, convenience, and efficiency that Momcozy wearable pumps provide is truly life-changing for busy moms. I can’t tell you how many times my Momcozy pump saved the day when I needed to pump during a conference call, while caring for my toddler, or during a busy day running errands.
My Recommendations Based on Your Situation
If budget is tight: Start with the Momcozy M5 or S9 Pro, which often have the lowest upgrade fees and still deliver excellent performance.
If you pump frequently: Invest in the M6 or M9 for the enhanced features, longer battery life, and superior performance. The upgrade fee pays for itself in convenience and efficiency.
If you’re tech-savvy: The M9 with app connectivity offers unprecedented control and customization that can really help optimize your pumping sessions.
If you have multiple kids: Consider getting a second pump for your next baby—many insurance plans will cover a new pump with each pregnancy!
Take Action: Get Your Momcozy Pump Through Insurance Today
Don’t let confusion about the insurance process prevent you from accessing this incredible benefit!
This week:
- Call your insurance company to verify breast pump coverage
- Ask your healthcare provider for a prescription at your next appointment
- Research DME suppliers that work with your insurance
Next week:
- Submit your information to your chosen DME supplier
- Review coverage details and any upgrade fees
- Confirm your preferred Momcozy model
Before baby arrives:
- Receive and sterilize your pump
- Practice assembly and basic operation
- Measure for proper flange size
- Set up your pumping station at home
You’ve Got This, Mama!
Navigating insurance coverage for breast pumps can feel overwhelming, especially when you’re already preparing for a new baby or caring for a newborn. But I promise you—it’s so much easier than it seems, and the benefit of getting a quality Momcozy pump at little to no cost is absolutely worth the small effort required.
I’ve been in your shoes, feeling confused by insurance jargon and worried about making the wrong choice. But looking back, getting my Momcozy pump through insurance was one of the best decisions I made for my breastfeeding journey. The freedom, convenience, and peace of mind it provided was invaluable during those precious early months.
You deserve to have the support and tools you need to make breastfeeding work for you and your baby. Don’t hesitate to reach out to your insurance provider, DME supplier, or healthcare team with questions. They’re there to help you, and you absolutely deserve this benefit!
💕
References & Trusted Sources
- Healthcare.gov – Breastfeeding Benefits Coverage – Official information about ACA breast pump coverage requirements
- U.S. Department of Health & Human Services – Affordable Care Act – Comprehensive guide to ACA preventive care benefits
- Centers for Disease Control and Prevention – Breastfeeding – Evidence-based breastfeeding information and recommendations
- American College of Obstetricians and Gynecologists – Breastfeeding Your Baby – Medical guidelines for breastfeeding support
- United States Breastfeeding Committee – Resources for breastfeeding mothers and healthcare providers
- American Academy of Pediatrics – Breastfeeding Initiatives – Pediatric recommendations for breastfeeding support
Disclaimer: Insurance coverage varies by provider, plan, and state. Always verify your specific benefits with your insurance company directly. This guide is based on personal experience and research to help you navigate the process, but individual results may vary. The author is a healthcare professional sharing personal experiences and general information. For specific medical advice, always consult with your healthcare provider.
