The 1st step would be to contact your insurance! I went to mine's website and just emailed them to ask how much they would cover. New law went into effect 7/2012 and insurance is supposed to cover part/ALL of your breast pump & possibly accessories! Read the fine print, most won't reimburse a retail purchase, but will cover if you go through their supplier. I am also finding out that most suppliers are out of stock. So make sure to ask your insurance what to do if they are out. Can you get your pump before baby is born or after? Also make sure to ask what models are covered!
As for models, I am also a FTM so I can't help much... I've heard Medela Pump in Style and Freestyle we're awesome! If you do go the retail way, make sure to keep receipt and unopened! Try out hospital pump before committing to a $200+ purchase.