This topic is about understanding and managing the costs of ileostomy supplies when your insurance hasn't started covering them yet. If you have a permanent ileostomy and find yourself in a situation where your insurance hasn't kicked in, here are some helpful tips and advice to consider:

1. **Insurance Basics & Policy Checks**
- Ostomy supplies are usually considered Durable Medical Equipment (DME). Most insurance policies require you to meet a deductible before they start covering a percentage of the costs. Once you reach your annual out-of-pocket maximum, supplies are typically covered at 100% for the rest of the year. It's important to verify these details with your insurance provider.
- If you're unsure about the information given by a phone agent, don't hesitate to call again or ask to speak with a supervisor, as explanations can vary.
- Even if you're paying out-of-pocket before meeting your deductible, you should be charged the insurer’s negotiated rate, which is often lower. Ask for these prices from your supplier or insurance help desk.

2. **Budgeting Tools**
- Consider using a Health Flexible Spending Account (FSA) or Health Savings Account (HSA) to manage expenses. These accounts allow you to use pre-tax dollars, which can be helpful at the start of the year.
- Some people choose to place a large order in January to meet their deductible quickly, ensuring that subsequent medical costs are covered.

3. **Finding Lower-Cost or Free Supplies**
- Check with the United Ostomy Associations of America (UOAA) for supply closets and local chapters that redistribute donated supplies.
- Your hospital’s WOC/ostomy nurse might have access to donated supplies for emergencies.
- Suppliers like Edgepark, Byram, and 180 Medical may offer manufacturer voucher programs, so it's worth asking about these.
- Look for unused supplies on platforms like eBay or Amazon, but always check expiration dates.
- Online forums often have donation networks where you can get supplies if you cover postage.

4. **Using Supplies More Efficiently**
- If you use drainable pouches, try to extend their wear time to reduce monthly usage. Many people manage to use them for 5-7 days. Products like barrier rings and extender strips can help with this.
- Stockpile supplies during months when your insurance covers them fully to have a buffer at the end of the year.

5. **Tax Relief & Financial Aid**
- In some regions, you can deduct the cost of ostomy supplies on your income tax return. Canada offers a federal medical-expense deduction, and Ontario provides reimbursement through the Assistive Devices Program.
- There are U.S. non-profits that offer small grants for ostomates. Check UOAA’s financial-assistance listings or consult a hospital social worker for more information.

6. **Practical Next Steps**
- Contact your insurance provider again to clarify details about the DME deductible, co-insurance rate, and contracted pricing with suppliers.
- Consider opening or adjusting an HSA/FSA if you have access to one.
- Reach out to UOAA, local hospitals, and online donation closets for temporary supplies.
- Until your deductible is met, consider purchasing small quantities of supplies from platforms like eBay or Amazon as a backup.