Does Humana Medicare Cover Incontinence Supplies?

Incontinence supplies are not covered by Original Medicare (Medicare Part A and Part B). However, Medicare Advantage (Medicare Part C) plans – such as the Medicare health plans offered by Humana – can cover certain incontinence supplies and/or over-the-counter items.

Costs and benefits for Medicare plans like Humana Medicare Advantage plans may vary from one plan to the next, so it’s important to compare the benefits offered by each type of Medicare Advantage plan available where you live.

You can get started by comparing plans online for free or by calling to speak with a licensed insurance agent.

How Does Humana Medicare Cover Incontinence Supplies?

Humana Medicare Advantage plans that include coverage of over-the-counter health products may typically charge a coinsurance payment for the product. This coinsurance represents your share of the cost, while the plan pays the remainder of the balance. There may or may not be an annual deductible that you have to meet before your plan coverage kicks in for over-the-counter supplies. 

Some Humana Medicare Advantage plans may include a network of participating doctors, pharmacies and providers who accept the plan. The plan network may restrict you to certain pharmacies or stores within a selected geographic area. Some PPO (Preferred Provider Organization) Medicare Advantage plans may have fewer network restrictions than some HMO (Health Maintenance Organization) plan, though you should check with your plan provider to find out more details. 

Does Humana Cover OTC Products?

Many Humana Medicare Advantage plans may also help pay for some other over-the-counter (OTC) health products. Plan benefits can vary from one location to the next, however, so not all plans will offer OTC benefits.

A licensed insurance agent can help you find out if a Humana Medicare Advantage plan is available where you live that offers this type of coverage. 

Are Incontinence Supplies covered by Medicare?

Original Medicare does not cover incontinence supplies or adult diapers. The patient is pays directly for the product. 

What Is Medicare Advantage?

Medicare Advantage (Medicare Part C) plans are sold by private insurance companies like Humana. These plans cover all of the same services and items that are included under Original Medicare and can also include additional benefits not covered by Medicare Part A or Part B.

The most popular extra benefits many Medicare Advantage plans may offer can include prescription drug coverage, dental care, vision care, transportation, over-the-counter medications and health-related items and more.

Medicare Advantage plans that include that offer an allowance for over-the-counter health items may help pay for many of the products sold on the shelves of pharmacies. These products may include incontinence supplies like adult diapers and briefs, bladder control pads, pull-ons and more. 

Medicare Coverage of Related Supplies

While Medicare does not cover incontinence supplies, it does help cover external catheters for beneficiaries with urinary incontinence or urinary retention. Medicare coverage can also extend to related supplies such as drain bags, irrigation kits, leg bags and extension tubing. 

Because Medicare Advantage plans are required by law to cover all of the same services and items included in Original Medicare, Humana Medicare Advantage plans will also provide coverage for catheters and related supplies that would otherwise be covered by Original Medicare. 

Contact a licensed insurance agent for more information about Humana Medicare’s coverage of incontinence supplies and how to enroll in a plan available where you live.