Insurance Doesn’t Cover Enough: How to Plan for Out-of-Pocket Medical Supply Needs in 2026

It is the start of a new year, and while you may be thinking about resolutions, budgeting, or catching up on health goals, one reality looms for many: insurance often does not cover all your medical supply needs.

Every single year, countless families are surprised when essential medical supplies, like ostomy supplies, incontinence products, wound care dressings, and urinary bags, are not fully covered by their insurance plans.

The Gap in Coverage

Incontinence Products in Hialeah, Sunrise, Tampa, Port St. Lucie, Tampa Bay, West Palm Beach and Surrounding AreasThis gap can create unexpected out-of-pocket expenses that quickly add up. That is why it is absolutely crucial to plan ahead and ensure you have the medical supplies you need to maintain comfort and independence this 2026.

Many plans provide partial coverage for essential medical supplies, but shipping fees, higher-quality brands, or specialized products may fall outside your plan. Keeping a detailed list of your needs helps you calculate what to expect for out-of-pocket costs in advance.

We Fill in the Gaps

At In Home Healing, LLC, we are here to fill in the gaps of your coverage by offering affordable and practical medical supplies to Atlanta, GA, Boca Raton, Port St. Lucie, West Palm Beach, Tampa Bay, Pompano Beach, and throughout the nation with discreet delivery services.

We make it easy for you to get proactive about medical supply planning, which saves you stress and money all year long.

Now Accepting HSA & FSA

In 2026, we will now be taking Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) which adds additional savings and easier access to the medical supplies you need while maximizing your tax-advantaged funds.

Using HSA or FSA dollars to cover ostomy supplies, catheter bags, incontinence products, wound care dressings, or other daily essentials ensures you aren’t caught off guard when insurance only covers part of the bill.

Take Control in 2026

Our knowledgeable staff can help you navigate insurance limitations, choose the best products for your specific needs, and create a manageable supply schedule. This way, even if insurance falls short, you’re never without the critical supplies that keep you or your loved ones healthy and comfortable!

In 2026, taking control of your medical supply needs does not have to be overwhelming. Let us bridge the gap to make sure that quality medical supplies are always within reach; so you can focus on what matters most: your health and your life! Contact us today to learn more about our medical supplies and how careful planning can save you time, money, and headache in the new year!

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