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Does Medicare Cover Incontinence Supplies


Medicare won’t cover incontinence supplies or adult diapers. You’ll likely pay the full cost of incontinence pads. But, some Medicare Advantage plans cover benefits like over the counter supplies. For some policies, this could include adult diapers or other incontinence supplies. Yet, you should expect to need to pay for these things yourself. Below we’ll take a look at some specific questions and give you all the details you need to know about Medicare coverage for people that deal with incontinence.

Does Medicare Pay for Incontinence Supplies?

Medicare doesn’t cover any incontinence supplies. But, there are some Part C plans available throughout the country that will offer benefits for products like adult diapers. Yet, these plans are only in specific service areas.

So, in some cases, no plans with this benefit exist in your location. If there are Medicare Advantage plans in your area, you’ll want to review the summary of benefits to identify if coverage extends to adult diapers.

Further, in some states, Medicaid will cover incontinence supplies. But, Medicaid is a state-run program, so not all states will offer these benefits. Since Medicare won’t cover incontinence supplies, Medigap won’t cover adult diapers or pads either.

Does Medicare Cover Adult Diapers?

Medicare doesn’t pay for adult diapers. Medicare doesn’t cover disposable supplies. You’ll pay for most of the common medical supplies you use at home. This is due to the same reason Medicare won’t cover bandages or gauze.

Now, some Medicare Advantage plans will cover over the counter benefits like adult diapers, bandaids, and gauze. But, Medicare will help cover the costs for exams, diagnostic tests, and lab work to help determine what’s causing the incontinence.

A Medicare Advantage plan may cover some adult diapers. You would have to take a very close look at the summary of benefits. Yet, even with Part C benefits, there may be quantity limits or cost limitations.

Does Medicare Cover Depends Undergarments?

Depends is a well-known brand name of Adult diapers. If you need a special brand of incontinence supplies, it’s unlikely you’ll have coverage. Since insurance doesn’t cover disposable supplies, these are your responsibility.

You’ll pay the full cost of depends underwear unless you have a Medicare Advantage plan that covers this benefit. Also, those with Medicaid may have coverage for adult diapers, but there are most likely brand limitations.

While Medicare won’t help you pay for your Depends, some state Medicaid programs help cover the cost incontinence supplies.

You’ll want to contact your state Medicaid office or the Medicare Advantage plan to identify your options. Those with Medicare and Medicaid can select a Dual-Eligible policy to increase benefits.

How Do I Get Assistance for Incontinence Supplies?

While you can’t make Medicare cover incontinence supplies, there are a few ways to save money. There are organizations across the United States that help with the cost of adult diapers. Further, shopping online is a great way to buy in bulk and get a discount.

Plus, shipping means you save time and gas money. Other options include couponing and free samples. The internet is your best friend when looking for deals on incontinence supplies.

Also, some discount prescription drug cards cover medical supplies.

Why Won’t Medicare Cover Incontinence Supplies?

Medicare will only cover medically necessary things. Since adult pads, diapers, and other supplies aren’t “medically necessary,” Medicare won’t pay for these things. But, Medicare will cover appointments and procedures relating to the diagnoses and care of incontinence.

Part A will cover any inpatient services. Part B will cover doctor visits as well as Durable Medical Equipment, which could include a catheter.

It’s important to note that there may be limitations on the amount of product covered on a monthly basis, either with Medicare Advantage or Medicaid. Further, to gain the coverage you may need to prove the incontinence stems from a specific medical condition.

Our agents can help you identify the policy that makes the most sense for you based on your health needs and situation. Then, they can walk you through the enrollment process. Medicare can be easy when you have the right tools and an agent in your corner.

Give us a call at the number above or fill out an online rate form to see your Medigap rates now!

Lindsay Malzone

Lindsay Malzone is the Medicare expert for MedicareFAQ. She has been working in the Medicare industry since 2017. She is featured in many publications as well as writes regularly for other expert columns regarding Medicare. You can also find her over on our Medicare Channel on YouTube as well as contributing to our Medicare Community on Facebook.

2 thoughts on “Does Medicare Cover Incontinence Supplies

    1. Hi Eric! Original Medicare does not cover these. If you have a Medicare Advantage plan, I would ask your carrier directly to see if it’s included in your summary of benefits.

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