Use Your Health Insurance Before the End of the Year to Get Medical Supplies & Equipment
Have you met your health insurance deductible? Don't let your medical equipment and healthcare benefits go unused!
As the end of 2026 approaches, now is an excellent time to review your health insurance benefits and determine whether you can use your remaining coverage toward medically necessary medical supplies and durable medical equipment (DME).
If you have already met your annual deductible, or are close to meeting it, you may have an opportunity to obtain eligible medical supplies and equipment with lower out-of-pocket expenses, depending on your insurance plan.
Many individuals and families spend the entire year paying their health insurance premiums, meeting deductibles, and managing medical expenses. Yet, they overlook an important opportunity: using their available insurance benefits for medical equipment and supplies they genuinely need before their plan year ends.
At WONACE Medical Supply, we help patients, families, caregivers, healthcare providers, and care coordinators navigate the process of obtaining insurance-covered medical supplies and durable medical equipment.
From Dexcom G7 and FreeStyle Libre continuous glucose monitors to power wheelchairs, CPAP machines, hospital beds, pediatric medical equipment, mobility scooters, and incontinence supplies, our goal is to make accessing appropriate medical equipment easier.
Don't wait until the new year to discover that you could have used your current insurance benefits. Contact WONACE Medical Supply today to explore your options.
Why the End of the Year Is a Good Time to Review Your Health Insurance Benefits
For many people, the end of the year is an important time to review healthcare expenses, remaining benefits, and medical equipment needs.
Many employer-sponsored and individual health insurance plans operate on a calendar-year basis, meaning their deductibles and out-of-pocket maximums reset on January 1. However, some insurance plans operate on different benefit years.
If your plan resets on January 1, 2027, your accumulated deductible and out-of-pocket spending may start over when the new plan year begins.
This means that if you have already satisfied your deductible in 2026, eligible medical equipment and supplies obtained before your plan year ends may have a different financial impact than obtaining the same equipment after your deductible resets.
1. Have You Already Met Your Health Insurance Deductible?
Your annual deductible is the amount you generally pay toward covered healthcare services and items before your insurance plan begins sharing eligible costs.
For example:
Annual deductible: $3,000
Amount already paid toward deductible: $3,000
Remaining deductible: $0
If your deductible has been met, your insurance may begin paying its share of eligible covered medical equipment and supplies.
However, meeting your deductible does not automatically mean all medical supplies are free. You may still have a copayment, coinsurance, or other patient responsibility depending on your policy.
2. You May Have Already Met Your Out-of-Pocket Maximum
Another important insurance benefit to review is your annual out-of-pocket maximum.
Your out-of-pocket maximum is generally the most you pay toward eligible covered services during your plan year. Once you reach the applicable limit, your plan generally pays 100% of covered in-network benefits for the remainder of the plan year, subject to plan rules.
If you have already reached your out-of-pocket maximum, it may be an especially good time to ask your insurance company about eligible medical equipment and supply benefits.
Remember, non-covered items, out-of-network costs, and other excluded expenses may not count toward your out-of-pocket maximum.
3. Your Deductible May Reset in the New Year
One of the biggest reasons to review your medical equipment needs before year-end is the possibility of starting a new deductible.
For example:
Imagine you have already paid $3,000 toward your deductible during 2026. If your plan resets on January 1, 2027, your accumulated deductible spending generally does not carry over into the new plan year.
If you wait until January to request eligible medical equipment, you may have to satisfy a new deductible before your insurance begins paying its share.
That is why November and December are excellent months to review your benefits, discuss medical needs with your healthcare provider, and begin the DME ordering and authorization process.
Important: Your plan's actual benefit year, deductible rules, coverage requirements, and effective dates control. Do not assume every insurance plan resets on January 1.
What Medical Supplies Can You Get Through Health Insurance Before the End of the Year?
Many people are surprised by the variety of medical supplies and durable medical equipment that may qualify for insurance coverage.
Depending on your diagnosis, medical necessity, insurance benefits, documentation, and authorization requirements, you may be eligible for coverage of equipment in several categories.
WONACE Medical Supply provides a wide range of home medical supplies, mobility equipment, respiratory products, pediatric medical equipment, rehabilitation equipment, and other DME.
Here are some categories worth reviewing before your benefits reset.
1. Diabetes Supplies and Continuous Glucose Monitors (CGM)
If you have diabetes, the end of the year is an excellent time to review your diabetes supply needs and insurance benefits.
WONACE Medical Supply helps patients explore insurance coverage for continuous glucose monitoring systems and related diabetes supplies.
Available products include:
Dexcom G7 Continuous Glucose Monitoring System
Dexcom G6 Continuous Glucose Monitoring System
FreeStyle Libre 2
FreeStyle Libre 3
Glucose monitoring supplies
Blood glucose meters
Diabetes testing supplies
Related accessories
A continuous glucose monitor can help eligible individuals monitor glucose levels throughout the day without relying solely on traditional fingerstick testing.
Depending on your insurance plan and clinical eligibility, certain CGM systems and supplies may be covered.
If you use Dexcom or FreeStyle Libre, contact WONACE to review your current supply needs and insurance eligibility before the end of your benefit year.
2. Power Wheelchairs and Complex Rehabilitation Equipment
Have you been delaying the process of getting a power wheelchair or custom mobility equipment?
If your mobility limitations affect your ability to safely move around your home and participate in daily activities, this may be a good time to discuss your equipment needs with your healthcare provider.
Depending on your insurance coverage and medical necessity, eligible mobility equipment may include:
Power wheelchairs
Custom power wheelchairs
Manual wheelchairs
Lightweight wheelchairs
Tilt-in-space wheelchairs
Standing power wheelchairs
Pediatric power wheelchairs
Complex rehabilitation wheelchairs
Custom wheelchair seating
Positioning cushions and back supports
Power assist systems
Mobility scooters
Walkers and rollators
Complex rehabilitation equipment often requires additional documentation, clinical evaluations, physician orders, and coordination with an Assistive Technology Professional (ATP), physical therapist, or occupational therapist.
If you have been postponing a wheelchair evaluation or mobility equipment request, start the process now.
3. CPAP Machines, Masks and Sleep Apnea Supplies
If you have obstructive sleep apnea or another qualifying respiratory condition, your insurance may cover certain CPAP equipment and replacement supplies.
Depending on your insurance benefits and medical requirements, equipment may include:
ResMed AirSense 11 CPAP machines
ResMed AirSense 10 CPAP machines
CPAP masks
Nasal masks
Full-face masks
CPAP tubing
Heated humidifiers
Replacement filters
Headgear and accessories
Patients who use CPAP equipment should review their replacement schedules and insurance requirements before ordering supplies.
Some insurance plans have specific replacement frequency limitations and documentation requirements.
4. Hospital Beds and Home Medical Equipment
For individuals who need assistance with positioning, transfers, mobility, or daily care, medically necessary home medical equipment may make a significant difference.
Depending on the patient's medical condition and insurance benefits, eligible equipment may include:
Hospital beds
Electric hospital beds
Semi-electric hospital beds
Pressure-relieving mattresses
Specialty mattresses
Patient lifts
Transfer equipment
Bedside commodes
Bathroom safety equipment
Overbed tables
Support surfaces
A physician's order and appropriate clinical documentation may be required.
If you or a loved one needs home medical equipment, contact WONACE to explore available options and insurance requirements.
5. Pediatric Medical Equipment and Special Needs Equipment
Parents of children with disabilities or complex medical needs should also review their children's medical equipment needs before the end of the year.
Depending on the child's diagnosis, functional limitations, and insurance coverage, pediatric equipment may include:
Pediatric power wheelchairs
Pediatric manual wheelchairs
Special needs strollers
Adaptive seating systems
Gait trainers
Standing frames
Pediatric positioning equipment
Special needs beds
Cubby Beds
Adaptive equipment
Pediatric bathroom and hygiene equipment
Specialty mobility products
Some children require customized equipment to support mobility, positioning, safety, and participation in daily activities.
If your child's therapist or physician has recommended new equipment, now may be a good time to begin reviewing the prescription, clinical documentation, and insurance authorization requirements.
6. Cubby Beds and Special Needs Safety Beds
Families caring for children with autism, developmental disabilities, and other complex medical needs may have additional equipment needs related to sleep safety and positioning.
Specialized safety beds, including Cubby Beds, may be appropriate for certain children when medically necessary and when the applicable insurance requirements are satisfied.
If your child's healthcare provider believes a specialized safety bed is appropriate, ask about the documentation and authorization process.
7. Lymphedema Pumps and Compression Garments
Patients managing lymphedema or certain circulation-related conditions may require specialized compression equipment.
Depending on the diagnosis, medical necessity, and insurance benefits, eligible equipment may include:
Pneumatic compression pumps
Lower-extremity compression garments
Upper-extremity compression garments
Full-leg garments
Compression accessories
Related therapy supplies
If your provider has recommended compression equipment, check your benefits and documentation requirements before your plan year ends.
8. Incontinence and Daily Medical Supplies
Some individuals require recurring medical supplies to manage incontinence and other healthcare needs.
Depending on the insurance program and benefit rules, supplies may include:
Adult briefs
Pull-ups
Protective underwear
Disposable underpads
Gloves
Catheters
Related incontinence products
Other medically necessary supplies
Coverage for these items varies considerably by payer and plan. Patients should verify eligibility, product limits, approved quantities, and ordering frequency.
Why Meeting Your Deductible Can Make a Difference
Let's look at a simplified example.
Imagine a commercial insurance plan has the following benefits:
Annual deductible: $3,000
Deductible already met: $3,000
Coinsurance for an eligible covered DME item: 20%
If the insurer approves a covered item with an allowed amount of $2,000, the patient's estimated coinsurance would be $400, assuming no other applicable cost-sharing rules or adjustments.
If the patient has also met the applicable out-of-pocket maximum, the patient's cost for that covered in-network benefit may be $0, subject to the plan's terms.
This illustrates why reviewing your deductible and out-of-pocket maximum before the end of the year is important.
Your actual responsibility will depend on your plan's allowed amount, benefit category, network rules, authorization, and coverage requirements.
How to Use Your Health Insurance Before the End of the Year
Getting medical equipment through insurance can involve several steps. WONACE works with patients, caregivers, and healthcare providers to help coordinate the process.
Step 1: Review Your Insurance Benefits
Contact your insurance company or review your member portal to find out:
Have I met my annual deductible?
Have I met my out-of-pocket maximum?
When does my plan year end?
Does my plan cover durable medical equipment?
What medical supplies are covered?
Is prior authorization required?
What is my coinsurance or copayment?
Does my plan require an in-network DME supplier?
Step 2: Identify the Medical Equipment You Need
Make a list of equipment or supplies you have been needing or that your healthcare provider has recommended.
Examples include diabetes supplies, CPAP equipment, wheelchairs, hospital beds, pediatric equipment, mobility aids, and other medically necessary products.
Step 3: Speak With Your Healthcare Provider
Some medical equipment requires a physician's prescription, medical records, a letter of medical necessity, or a clinical evaluation.
Ask your healthcare provider to help document why the requested equipment is medically necessary.
Step 4: Contact WONACE Medical Supply
Provide your insurance information and let us know what medical supplies or equipment you need.
Our team can help identify the next steps and review the information required for the insurance process.
Step 5: Complete Insurance Verification and Authorization
Depending on your plan, WONACE may need to verify eligibility, benefits, network participation, documentation, and prior authorization requirements.
Step 6: Coordinate Your Equipment or Supply Order
Once the applicable requirements are met, the order can move forward according to the insurance plan's rules and product availability.
Don't wait until December 31 to begin. Some equipment requires clinical evaluations, documentation, authorization, ordering, and delivery coordination. Starting early gives everyone more time to complete the process.
Does Insurance Cover Medical Supplies After Meeting Your Deductible?
This is one of the most common questions patients ask.
The answer is: It depends on your insurance plan and the medical equipment requested.
Meeting your deductible generally means your insurance begins sharing the cost of eligible covered services and items according to the policy.
However, the following may still apply:
Coinsurance
Copayments
Prior authorization
Medical necessity requirements
Network restrictions
Product-specific coverage limitations
Replacement frequency limits
Prescription requirements
Quantity limitations
For Medicare Part B, covered DMEPOS items generally involve the Part B deductible and 20% coinsurance of the Medicare-approved amount after the deductible is met, subject to Medicare coverage and payment rules.
Commercial insurance, Medicaid, Medicare Advantage, and other plans have their own requirements.
The best approach is to verify your specific coverage before ordering.
Why Choose WONACE Medical Supply for Insurance-Covered Medical Equipment?
At WONACE Medical Supply, we understand that navigating healthcare insurance can be confusing.
Our team works with patients, caregivers, physicians, therapists, case managers, and care coordinators to help make obtaining medical supplies and equipment more manageable.
A Wide Range of Medical Supplies and DME
From everyday home medical supplies to complex rehabilitation equipment, we offer multiple categories of medical products.
Insurance Coordination
We assist with insurance verification, required documentation, and prior authorization processes when applicable.
Diabetes and Respiratory Equipment
We help patients explore eligible coverage for Dexcom, FreeStyle Libre, CPAP equipment, and other respiratory and diabetes supplies.
Complex Rehab and Mobility
We provide mobility solutions, including power wheelchairs, custom seating, pediatric mobility equipment, and complex rehabilitation technology.
Pediatric Medical Equipment
We help families explore specialized equipment for children with disabilities and complex medical needs.
Houston and Nationwide Service
WONACE is based in Houston, Texas, and provides local service and shipping options for eligible products throughout the United States.
End-of-Year Medical Supply Checklist: What Should You Review Before Your Benefits Reset?
Before your insurance plan year ends, consider reviewing the following:
Check whether your annual deductible has been met.
Check whether your out-of-pocket maximum has been reached.
Confirm your insurance plan's benefit-year end date.
Review your medical equipment needs.
Ask your physician about outstanding equipment recommendations.
Review prescriptions and clinical documentation.
Check whether prior authorization is required.
Verify your DME supplier's network status.
Confirm your estimated patient responsibility.
Start your equipment request early enough to allow for processing.
Remember, an order submitted before year-end does not necessarily mean the claim will be processed under the current year's benefits. Your insurance plan's rules about service dates, delivery, billing, and authorization determine how the expense is applied.
Frequently Asked Questions About Using Health Insurance Before the End of the Year
Should I use my health insurance before the end of the year?
If you have outstanding medically necessary equipment needs and have met your deductible or out-of-pocket maximum, reviewing your insurance benefits before the plan year ends may help you understand whether eligible equipment could have lower out-of-pocket costs. Always verify coverage first.
Does my health insurance deductible reset every January?
Many health insurance plans use a calendar-year benefit period, but not all. Some plans have different renewal dates. Check your policy or member portal for the exact reset date.
What happens if I meet my deductible before the end of the year?
Your plan generally begins sharing the cost of eligible covered services according to its benefit rules. You may still owe coinsurance or copayments unless you have also reached the applicable out-of-pocket maximum.
Can I get a power wheelchair through insurance before the end of the year?
A power wheelchair may qualify for insurance coverage if you meet the payer's medical necessity, documentation, authorization, and other eligibility requirements. Contact WONACE to discuss the process.
Can I get Dexcom G7 or FreeStyle Libre through insurance?
Eligible patients may qualify for coverage of Dexcom and FreeStyle Libre continuous glucose monitoring systems depending on their insurance benefits, clinical eligibility, prescription, and payer requirements.
Can I get CPAP supplies before the end of the year?
Some CPAP equipment and replacement supplies may be covered by insurance when the patient meets the plan's medical and replacement-frequency requirements. Contact your supplier to review your eligibility.
Does Medicare cover durable medical equipment after meeting the deductible?
Medicare Part B may cover eligible medically necessary DME when its coverage requirements are met. After the Part B deductible is satisfied, beneficiaries generally pay 20% of the Medicare-approved amount for covered DMEPOS items, unless another coverage arrangement applies.
Can I use my insurance if I have already met my out-of-pocket maximum?
For covered in-network benefits, many plans pay 100% of the allowed amount after the applicable out-of-pocket maximum is reached for the remainder of the plan year. Non-covered services, out-of-network expenses, and other exclusions may still create costs.
Does WONACE accept insurance for medical supplies?
WONACE works with Medicare, Medicaid, Blue Cross Blue Shield, Cigna, and other healthcare plans. Network participation and coverage depend on the specific plan, product, and patient eligibility. Contact us to verify your benefits.
Don't Let Your Medical Equipment Needs Wait Until Next Year!
As 2026 comes to a close, now is the time to review your health insurance benefits and explore whether your remaining coverage can help you obtain medically necessary medical supplies and equipment.
If you have met your deductible, reached your out-of-pocket maximum, or are close to satisfying your annual insurance requirements, don't wait until your benefits potentially reset.
Whether you need Dexcom G7, FreeStyle Libre, a power wheelchair, a mobility scooter, CPAP equipment, a hospital bed, pediatric medical supplies, Cubby Bed, compression equipment, or other durable medical equipment, WONACE Medical Supply is here to help you explore your options.
Our team works with patients, families, caregivers, healthcare providers, and care coordinators to make the insurance and medical equipment process easier.
Use your health insurance benefits wisely. Start your medical supply request with WONACE before the end of the year!
Contact WONACE Medical Supply Today
WONACE Medical Supply – Supplies for Better Care
Website: https://www.wonace.comPhone: 281-810-3123Fax: 877-787-4705Email: dme@wonace.com
Houston, Texas | Serving patients and healthcare providers nationwide.
WONACE Medical Supply — Helping You Access the Medical Equipment You Need, When You Need It.
Conclusion
Choosing to get your CGM from a Durable Medical Equipment provider like WONACE Medical Supply. From personalized service and expert support to simplified insurance billing and comprehensive follow-up care, we are dedicated to helping you manage your diabetes effectively. Contact us today to learn more about our CGM devices and how we can assist you in achieving better glucose control.
Contact WONACE Medical Supply for medical supplies near you.
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