This topic is about how insurance deductibles are applied to ostomy supplies, specifically focusing on experiences with UnitedHealthcare and other insurers. If you have a colostomy and are navigating insurance plans, here are some helpful insights and advice from others who have been in similar situations:

1. **Insurer and Plan Differences**
- Many people with UnitedHealthcare have found that their ostomy supplies are applied to their deductible. Some have monthly copays instead of paying the full deductible amount upfront.
- Blue Cross Blue Shield members also report that supplies count toward the deductible, but once it's met, the supplies are fully covered.
- Medicare, along with supplemental or Medicare Advantage plans, often covers supplies with a small annual deductible or copay.
- In Ontario, Canada, a provincial program provides financial assistance for ostomy expenses, and federal employee insurance covers a significant portion of the remaining costs.

2. **Check Policy Classification**
- Make sure your ostomy supplies are categorized under "Durable Medical Equipment/Supplies" in your insurance policy. Some people opt for higher-premium plans because they cover this category.

3. **Manage Timing and Quantity of Orders**
- Consider ordering a 90-day supply towards the end of the calendar year, after meeting your deductible, to have extra supplies covered for the next year.
- One person typically orders 20 pouches, 20 barrier rings, 50 adhesive-remover wipes, and 50 lubricant packets each month, purchasing additional adhesive-remover spray out-of-pocket.

4. **Use Tax-Advantaged Accounts**
- Utilize Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA) to help manage the initial high costs at the start of the year.

5. **Compare Supply Costs and Alternative Sources**
- Some individuals purchase extra or all supplies on eBay at lower prices and find that they can interchange parts from different brands like Hollister and ConvaTec.
- High-quality Coloplast two-piece systems are noted for their durability, which can reduce the number of supplies needed each month.

6. **Watch U.S. Policy Changes**
- Be aware that the Centers for Medicare & Medicaid Services (CMS) might include ostomy and urological supplies in the Competitive Bidding Program, which could affect access. More information and advocacy details can be found online.

These insights can help you better manage your ostomy supply costs and navigate insurance policies effectively.