Whether you’re caring for a newborn, a child with special needs, or an aging loved one, diaper costs can quickly pile up. But what many Americans don’t realize is that in 2025, Medicare may actually help cover the cost—if you know how to apply and qualify.
Who Qualifies for Diaper Coverage Through Medicare?
Medicaid may cover diapers and incontinence supplies for:
Infants or children with medical conditions requiring more than standard diaper use
Seniors with incontinence issues
Adults with disabilities who require daily care
You must typically have a documented medical need, and coverage is handled state-by-state, so eligibility can vary.
How to Apply for Diaper Coverage Through Medicaid
Here’s a step-by-step look at what you’ll need to do:
Get a medical diagnosis from a licensed provider stating that diapers or incontinence supplies are medically necessary.
Ask for a prescription or letter of medical necessity.
Find a Medicaid-approved supplier in your state that offers diaper delivery or reimbursement.
Submit your application and paperwork to your state Medicaid office or managed care plan.
Pro tip: Some Medicaid plans allow automatic monthly shipments, so you never run out.
Medicare Advantage Expansions in 2025: Even More Support
While traditional Medicare doesn’t cover diapers, some Medicare Advantage plans now include allowances for over-the-counter medical supplies—including adult diapers, wipes, and pads.
Many plans also include:
Grocery or healthy food cards
Transportation to medical appointments
Flex cards for qualified expenses
Home care assistance and more
Check with your Medicare Advantage provider to see if incontinence products are part of your 2025 benefits.