Meeting Your Deductible: How to Use Your Health Insurance for Medical Supplies
- wonacedme
- Oct 31
- 3 min read
Many people don’t realize that understanding and meeting your health insurance deductible can help you save hundreds or even thousands of dollars on durable medical equipment (DME). Whether you need a wheelchair, hospital bed, CPAP machine, or diabetes monitoring device, once your deductible is met, your insurance may cover most—or all—of the cost.
At WONACE Medical Supply, we help patients, caregivers, and healthcare providers navigate insurance benefits to access the medical supplies they need efficiently and affordably.
What Is a Deductible and How Does It Work?
Your deductible is the amount you must pay out-of-pocket before your health insurance plan begins to share in the cost of covered services and equipment. For example, if your deductible is $1,000, you must pay that amount before your insurance begins to cover your medical expenses.
Once your deductible is met, your insurance can cover up to 100% of eligible equipment costs—depending on your plan’s coinsurance and out-of-pocket maximum.
Why Meeting Your Deductible Matters for Medical Equipment
If you’ve been delaying the purchase of necessary equipment, such as a power wheelchair, patient lift, adaptive stroller, or diabetes sensor, doing so after you’ve met your deductible can significantly reduce your costs.
If you’re purchasing or renting durable medical equipment, meeting your deductible can shift the cost burden away from you. Because many DME items—custom power wheelchairs, standing frames, advanced seating systems—come with higher price tags, timing and planning around your deductible becomes a strategic benefit.
Durable Medical Equipment (DME) is often partially covered, but once your deductible is met, your insurer may pay most of the balance. That means better access to quality equipment without heavy financial strain.
At WONACE Medical Supply, we specialize in helping patients use their insurance benefits to obtain products like:
Diabetes management tools (Dexcom, FreeStyle Libre)
Complex rehab equipment (Permobil, Quantum, Invacare)
Adaptive pediatric supplies (Cubby Beds, gait trainers, standers)
Home medical equipment (bariatric beds, bathroom safety systems)
What Counts Toward Your Deductible—and What Doesn’t
It’s important to know which expenses apply toward your deductible so you can plan accordingly. Generally:
Covered, medically-necessary services and equipment count toward your deductible when you use in-network providers.
Monthly premiums do not count toward the deductible.
Some plans may exclude certain services or equipment from deductible accumulation; always review your plan’s summary of benefits.
How to Make the Most of Your Deductible
Track your deductible status – Log in to your health insurance portal or call your provider.
Plan your purchases – If you’re close to meeting your deductible, now’s the best time to order necessary equipment.
Use an in-network supplier – Working with a trusted company like WONACE Medical Supply ensures claims are processed correctly.
Obtain medical documentation – Most insurance plans require prescriptions or medical necessity forms for DME coverage.
Ask for help – Our team assists with prior authorization, paperwork, and communication with your insurance company.
How WONACE Medical Supply Helps You Use Your Benefits
At WONACE Medical Supply, we specialize in helping patients get insurance coverage for the medical equipment they need. We work directly with insurance providers, handle authorization paperwork, and ensure you receive high-quality products that meet your doctor’s prescription.
WONACE Medical Supply is a trusted provider of insurance-covered medical equipment in Houston, TX, and all across the United States. We specialize in working with individuals, caregivers, clinics, and therapists to help them find, order, and bill medical equipment through insurance.
We help patients with chronic conditions, mobility challenges, and special needs access life-changing equipment—without paying unnecessary out-of-pocket costs.
Conclusion
By understanding how your deductible works and coordinating with an experienced DME provider, you can significantly reduce your out-of-pocket costs for medical equipment. It’s not just about purchasing—it’s about smart timing, proper documentation, and using your insurance benefits wisely.
Contact WONACE Medical Supply for medical supplies near you.
Contact
WONACE Medical Supply is a Medicare-approved company trusted by medical doctors, Healthcare insurance, and clinics.
Visit: WONACE.COM
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