Does Medicare cover incontinence supplies? (2025)

Medicare usually doesn’t cover supplies to deal with incontinence. These include things like pads, adult diapers, panty liners, disposable underwear and similar products. Medicare considers these to be personal care products and not medical necessities. But for seniors dealing with bladder leakage, affordable incontinence supplies are important to leading an active and engaged life.

Let’s look at some options.

Medicare Part B is medical insurance used to cover doctor visits. It also covers certain durable medical equipment (DME) used to help manage bladder control issues. These supplies must be prescribed by your doctor. You may still need to pay a 20% copayment for covered DME.

Part B coverage may include:

• Catheter supplies
• Pelvic floor stimulators
• Bedside commodes
• Raised toilet seats
• Grab bars

Part B doesn’t cover adult diapers or other disposable personal hygiene products, as they are not considered DME.

Some Medicare Advantage (Part C) plans may include an allowance to buy certain over-the-counter items, including incontinence supplies.

Medicare Part D (Rx drug) coverage

Medicare Part D may help pay for medicine used to treat conditions like an overactive bladder or urinary tract infections. You can get Rx coverage through a Medicare Advantage plan or through a stand-alone Part D prescription drug plan. Copays and deductibles will apply.

Dual-eligible Medicare and Medicaid coverage

If you have both Medicare and Medicaid, you may be able to get coverage for incontinence supplies. You'll need your doctor to write a prescription saying you need these supplies. Plan benefits vary by state, so check with your state’s Medicaid office to see if any coverage for incontinence supplies is offered.

You are not alone

Incontinence is a challenging issue for many seniors—men and women alike.¹ Although it may be uncomfortable to talk about, it’s just a health issue like any other. Don’t suffer in silence. Talk to your doctor about treatment options and for advice on which incontinence supplies are right for you. Finding affordable products to meet your needs can help you keep your independence and enjoy life to the fullest.

1. Stephen W. Leslie; Linh N. Tran; Yana Puckett, “Urinary Incontinence,” National Library of Medicine, National Institutes of Health, last accessed April 3, 2025