Will Your Insurance Cover Your Medical Supplies?

Tag: insurance-and-health-plans

Published: December 8, 2025

Last Updated: January 13, 2026

Summary

Learn how to understand if your insurance plan covers medical supplies like incontinence products, catheters, and ostomy supplies — and what steps to take to confirm your eligibility and benefits.

When it comes to insurance coverage of medical supplies, there’s one big concern that people have: Will my insurance cover them?

In many cases, the answer is “yes.” Many people don’t realize they may qualify to receive medical supplies through their insurance plan. Things like incontinence supplies, catheters, and gauze could be paid for using your benefits.

Every plan is different, so to find out what you’re eligible for, there’s a few things you need to know.

For an insurance company to cover a product, it usually needs to be considered medically necessary. Insurance companies define this in different ways, but there’s one thing that’s always consistent: The need for a doctor’s diagnosis.

In order for any product to be considered medically necessary, a healthcare professional must confirm that the supplies are needed for treatment. A diagnosis provides that to your insurance. Without proof that supplies are needed, insurance won’t usually cover the cost of supplies.

The first step is simply to visit your doctor about getting a diagnosis. Your doctor may recommend supplies as part of your ongoing health support. If you already have a diagnosis, then contact us as soon as possible. You may already be eligible to receive products as a covered benefit.

Once you have your diagnosis, you should contact us at (866) 938-3906 or sign up online. We’ll work with your doctor to build you’re personalized product solution, verify your insurance, and coordinate the paperwork for you. Once all the insurance requirements are met, you’ll receive monthly shipments of supplies covered by your insurance.

Don’t forget that health insurance is meant to be there when you need it, so learn about your benefits and know what they cover. It may help you save money. If you ever have questions, let us know. Our team is always happy to help you get the care you need.

Living with a chronic condition that requires medical supplies?

Let us help you get the products you need — delivered discreetly to your door.

Many people manage ongoing health conditions, and the right medical supplies can make all the difference. The team at HCD works with you, your doctor, and your insurance plan to support a wide range of needs, including urological, ostomy, diabetes, and wound care. We’ll help ensure you get the supplies you need to manage your condition with confidence.

Call 866-938-3906 to see if you qualify or reach out through our Contact Us form by selecting “An individual looking to see if I or a loved one qualifies for medical supplies.”