Using incontinence products can be expensive at times and can take a serious toll on one’s monthly expenditure budget. And, often, traditional insurance doesn’t cover the cost of incontinence pads and diapers. However, based on one’s financial condition, and the seriousness of the medical condition, some insurance companies offer reimbursement for particular incontinence product for women. Let’s take a look.
- Private insurance coverage
Most of the private insurances often reject medical coverage for the adult absorbent products as they are deemed to be not medically necessary. Therefore, it is important to check with one’s insurance provider to find out whether the incontinence product one is using falls under their coverage or not. As in some cases, some private insurance companies agree to pay for incontinence products for women on certain terms.
- Medicaid coverage
Medicaid is known to cover almost the full cost of the incontinence products for women. However, their benefits and requirement tend to vary from one state to another. A health insurance program Medicaid that is run by the State, provide maximum coverage possible to older adults, people with disabilities and with low incomes. Therefore, if a woman falls under any of these conditions, she may get reimbursement for her incontinence products. The majority of the Medicaid recipients, generally, are eligible for full coverage of incontinence products.
- Medicare coverage
Just like Medicaid, the coverage terms and requirement of Medicare also vary from state to state. A health insurance program run federally, the Medicare often doesn’t cover the cost of the incontinence products. But then there is the Part C of Medicare, which few enhanced plans for medical products that the Part A or B of Medicare fails to offer. Such plans often include lowering the cost of some incontinence supplies or giving one a few extra benefits such this, for a certain amount of additional monthly fees.
The fact is that there is no definite answer for exactly what are the incontinence products for women that positively comes under insurance coverage. Therefore, one must consult with the insurer and have a detailed knowledge about the insurance coverage clause and terms before purchasing the products.