Insurance Coverage for Incontinence Products

For those living with fecal or urinary incontinence, buying incontinence products can be expensive depending on the severity of each individual's condition. Many people have to use incontinence products several times a day, in particular for absorbent underwear, incontinence pads, skin relief balm and disposable washcloths. Those expenses are an ongoing financial burden. 

A frustrating corollary to that burden is the reality that Medicare does not usually cover adult diapers or underwear and/or other incontinence products. Medicare will cover catheters and ostomy products, but common items not covered include diapers or underwear, mattress pads for your bed, and bladder control pads or liners.

Currently, Medicare and the majority of private insurance plans do not list incontinence products as a covered benefit for their members. However, if you are a Medicare recipient with Medicaid secondary, you may be eligible for 100% coverage of incontinence products. Another option is you may get covered through a private insurance company’s Medicare Advantage plan.

The better news is that Medicaid and many private insurance plans provide partial or full coverage of incontinence products.

Products, including absorbent briefs, pull-ups, bladder control pads and male guards, can typically be covered for a set amount each month through most state Medicaid plans. Some Medicaid plans will also provide coverage of supplemental products such as disposable wipes.

Are there limits on the number of incontinence products one can receive? That will depend on both your insurance plan as well as the needs determined by your healthcare provider. Your doctor or urologist will recommend a maximum quantity of products needed based on your level of incontinence as well as your estimated frequency of changes.

For products that allow you to return to your active life with confidence and comfort, see our sustainable incontinence products for more information and options.