This topic is about the costs and coverage of ostomy care, supplies, and insurance in different countries. It highlights how various healthcare systems handle the financial aspects of ostomy care, providing insights into the experiences of individuals from different parts of the world.

1. In Australia, one person shared their extensive medical journey, which included multiple surgeries, hospital stays, and ongoing care, all without any direct charges.
- They only pay an annual fee of AU$70 to the Ileostomy Association for ostomy products, with additional courier fees.
- The funding comes from Australia's publicly-funded system, supported by income tax and a Medicare levy.
- They express gratitude for the universal healthcare coverage.

2. In the United Kingdom, healthcare and ostomy supplies are provided through the National Health Service (NHS), funded by National Insurance.
- These services are effectively free at the point of use.
- There is some concern about the long-term sustainability of the system, especially with non-contributors also receiving care.

3. In the United States, coverage varies significantly depending on the insurance plan.
- Many plans limit ostomy supplies to 1–2 changes per week, with additional supplies costing US $500–600 per month out-of-pocket.
- High-deductible plans may cover 100% after the deductible, but patients often purchase items themselves due to insurance restrictions.
- Some individuals were misled to believe their surgery would have no out-of-pocket costs, which was not the case.

4. In Canada, universal healthcare covers hospital stays, tests, and medications.
- Ostomy supplies are not covered, but ostomates can receive an annual disability tax credit.
- Extended employer insurance can help cover most remaining costs.

5. In the Netherlands, basic health insurance is mandatory, with optional supplementary plans.
- Ostomy supplies are rationed, with daily usage limits and a maximum two-month supply.
- Extras like remover spray and deodorants are rarely reimbursed, though higher-priced policies may offer more flexibility.

6. Other Australians confirm the national ostomy supply scheme is highly effective.
- Delivery dockets show the high retail cost of products, highlighting the value of government support.

7. General observations:
- Countries with tax-funded or mandatory insurance systems (Australia, UK, Canada, Netherlands) handle ostomy supplies differently, from full coverage to strict limitations.
- High taxes or premiums fund these benefits, and some people see this trade-off as worthwhile for universal coverage.
- In the US, the lack of universal care results in inconsistent and often costly access to ostomy products, even for those with good insurance.