This topic is about the unexpected high cost of ostomy supplies, even with what is considered "great" insurance. The person sharing their experience recently started a new job and was shocked to receive a $340 bill for their first shipment of supplies. This was a big change from the discounted prices they paid while uninsured, and it's a lot to handle on a single income. They are looking for advice and insights on how to manage these costs better.

Here are some helpful points and advice shared by others:

1. **Understanding Deductibles and Timing**
- Many insurance plans in the U.S. require you to meet an annual deductible, which can range from $1,500 to $8,000, before they start covering costs. Once you meet this deductible, your costs usually decrease significantly.
- Make sure your insurance has processed the claim, as initial bills might not reflect the insurer's payment yet.

2. **Choosing In-Network Suppliers**
- Check if your supply company is "in network" with your insurance. Using out-of-network suppliers can lead to much higher charges.
- For example, someone with Blue Shield PPO pays a flat $75 per month using Byram Healthcare, which is in-network.

3. **Finding Alternative Retail Sources**
- eBay: You can find supplies like pouches and wafers at discounted prices, often from estate sales. Keep an eye on listings to avoid running low.
- Amazon: Sometimes offers better prices than medical supply websites for certain brands.
- MedicalMega.com: One person reported paying about $40 for a box of 10 ConvaTec wafers and about $23 for pouches.
- Facebook "supply swap" groups: These groups allow members to trade or donate unused supplies. You can ask for group names through private messages.

4. **Exploring Government Programs and Different Insurers**
- Medicare with a supplemental plan (like Plan G with Florida Blue or United Health/AARP) can cover most standard supplies, though some extras might not be included.
- Kaiser HMO covers a base allotment, but extra supplies may need to be purchased at full retail price.
- Blue Cross Blue Shield's "platinum" plans can offer excellent coverage, but it varies by contract.
- Some Canadian provinces offer assistance programs for ostomy supplies.

5. **Budgeting and Lifestyle Adjustments**
- Treat your supplies as a regular monthly expense and consider cutting non-essential spending if needed.
- Keep a buffer of supplies so you can shop around and avoid paying full price at the last minute.

6. **International Perspectives**
- In the UK and Australia, ostomy supplies are provided free of charge through universal healthcare systems. Members from these countries express gratitude for such systems.

These insights and tips can help manage the costs and stress associated with purchasing ostomy supplies.