The Sacramento Bee -- sacbee.com -- A father's quest -- I'm all for this dad feeding his son breastmilk, but I don't think the insurance company should be forced to pay for it. When you get insurance, you know what is covered and what is not. If you choose treatment or substances that are not covered, you pay out of pocket. That's the way it works. Insurance companies being forced to pay for things that they wouldn't ordinarily cover is part of what drives up insurance rates. Hopefully this couple had life insurance on the mom; that would help pay for milk.