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Does Medicare Cover Disposable Underwear?

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By Daniel Petkevich
Dec 8, 2022

Most plans don't offer coverage

Medicare has you covered with medically necessary treatments or medications to help with incontinence. Unfortunately, for over-the-counter purchases like disposable underwear Medicare generally does not offer coverage or reimbursement. However, you might be able to get over-the-counter benefits on some Medicare Advantage plans.

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Limitations on Medicare coverage

Medicare is a government-funded health insurance program for people age 65 and over, as well as certain disabled individuals. It covers a wide range of medical services and treatments, including doctor visits, hospital stays, surgeries, lab tests, prescription drugs, preventive care, and more. However, it generally does not cover items that can be purchased over the counter, such as disposable underwear. It also does not cover long-term care or custodial care services. For more information about Medicare coverage, you can visit the official website at medicare.gov.

Coverage for disposable underwear

Unfortunately, Medicare does not cover disposable underwear as a medical necessity. However, some Medicare Advantage plans may offer over-the-counter benefits for items like this. If you have a Medicare Advantage plan, it is best to check with your provider to see what types of coverage are available. You can also contact your local Area Agency on Aging (AAA) for more information.

Alternatives to disposable underwear if you do not have Medicare coverage

Even if you do not have Medicare coverage, there are other options available for those dealing with incontinence. You may be able to purchase disposable underwear at a discounted rate through your local pharmacy or medical supply store. Additionally, some organizations provide assistance or resources in the form of discounts and grants for the purchase of incontinence products. Finally, you may also be able to find assistance from your local Area Agency on Aging. Be sure to explore all of these options before making a purchase.

How to choose the right type of disposable underwear for you

Disposable underwear can be a helpful tool for those dealing with incontinence, but it is important to understand the pros and cons before deciding if this type of product is right for you. Some benefits of using disposable underwear include increased protection against leaks, improved comfort and convenience, and ease of use. However, the cost can add up over time, and some people may find that the disposable materials are less breathable than cloth underwear. Additionally, disposable underwear may not be as durable as reusable options. To ensure you make the right choice, talk to your doctor or healthcare provider about what type of product would best fit your needs.

Tips for using and caring for disposable underwear

If you decide that disposable underwear is the right choice for your incontinence needs, it is important to know how to properly use and care for them. To make sure they last as long as possible, always follow the instructions on the packaging when putting on and taking off the underwear. Also, keep them away from heat sources such as dryers and radiators, and avoid exposing them to extreme temperatures. And remember: when it comes time to dispose of them, be sure to place them in an appropriate bag or container for safe disposal.


Medicare does not offer coverage for disposable underwear. But those with Medicare Advantage should check their plan to see if any additional benefits are available. For any Medicare-related questions, call a Fair Square Medicare expert. We are here for you.

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Join the Fair Square Medicare Newsletter to stay informed on cost savings, changes to Medicare, and other valuable healthcare information.

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