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Incontinence Financial costs - future planning.


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The toughest part of urinary incontinence is the cost. It is NOT trivial. The costs for diapers and pads adds up - a lot.

My basic budget is now about $3,000 per year.  I buy in bulk with discounts as much as possible. Diapers are BettryDry, Large, ordered by the case. I also order a supply of disposable underpads and some liners. The pad are not used very often. Mostly for travel or if I need to sit for awhile without wearing a diaper. About every 18 months or so I get a new set of large washable bed pads. And every couple of years a new mattress protector if needed. Oh, and though I don't wear them very often anymore, I also make sure I have 6 plastic pants. They are lasting about a year. I get baby wipes from the grocery store and they are not part of this budget. 

Fortunately, I'm able to use my Health Savings Account through work to help offset the cost by spending pre-tax dollars. Most think that you can't use HSA funds for "diapers" and that is true - you can't use HSA for baby diapers. But I've never had a any issues with adult incontinence products.

We supplement our HSA fund by adding $150 into our account each pay period. (Bi-weekly).

We are looking at the budget and will begin to increase our HSA setaside to at least $200 per week until we hit any caps. But that isn't just for incontinence, just taking advantage of using pre-tax income for medical expenses while we can.

This costing is important not just for normal wear but we are looking at outfitting our cabin with a least a full year's worth of supplies. The wife was a tad surprised that we would be looking at about $3,000 for diapers and need room for 25 cases! It is a topic for another post but we are also looking at a supply of cloth diapers as well as the ability to make them if the needed. (That is getting a tad ambitious but the wife is pretty handy with a sewing machine. (Not sure how she'd do with a manual sewing machine.) 

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  • 2 weeks later...
The toughest part of urinary incontinence is the cost. It is NOT trivial. The costs for diapers and pads adds up - a lot.
My basic budget is now about $3,000 per year.  I buy in bulk with discounts as much as possible. Diapers are BettryDry, Large, ordered by the case. I also order a supply of disposable underpads and some liners. The pad are not used very often. Mostly for travel or if I need to sit for awhile without wearing a diaper. About every 18 months or so I get a new set of large washable bed pads. And every couple of years a new mattress protector if needed. Oh, and though I don't wear them very often anymore, I also make sure I have 6 plastic pants. They are lasting about a year. I get baby wipes from the grocery store and they are not part of this budget. 
Fortunately, I'm able to use my Health Savings Account through work to help offset the cost by spending pre-tax dollars. Most think that you can't use HSA funds for "diapers" and that is true - you can't use HSA for baby diapers. But I've never had a any issues with adult incontinence products.
We supplement our HSA fund by adding $150 into our account each pay period. (Bi-weekly).
We are looking at the budget and will begin to increase our HSA setaside to at least $200 per week until we hit any caps. But that isn't just for incontinence, just taking advantage of using pre-tax income for medical expenses while we can.
This costing is important not just for normal wear but we are looking at outfitting our cabin with a least a full year's worth of supplies. The wife was a tad surprised that we would be looking at about $3,000 for diapers and need room for 25 cases! It is a topic for another post but we are also looking at a supply of cloth diapers as well as the ability to make them if the needed. (That is getting a tad ambitious but the wife is pretty handy with a sewing machine. (Not sure how she'd do with a manual sewing machine.) 

Today at the doctors office i was diagnosed with urge urinary incontinence


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That cost sounds me too huge to for supplies and clothes. Clear it's expensive but not as much if you content yourself to the minimal. There is a lot of clothes which are not required but just exists because it may brings more confidence. I means good diapers does not need plastic pants for most incontinences. 

To me I change 3 times a day so it means for a diaper at 1, no more than 90 bucks a month. For sure I need some special clothes which should not exceed 100 a year. So a total of 1200-1500 a year seems more reasonable to me. 

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$3000 is not out of line I use an average of 3 diapers a day and If they are not on sale when I order it will cost me $2956.50CDN this year but its probably closer to $3700 as some days I use 4 Betterdry or Crinklz diapers. 

Incontinence is not a cheap issue to deal with but it is the easiest health issue to manage with no side effects of drugs.

Yes some people can manage with thiner cheaper diapers if they make it to the bathroom most times and do not flood their diaper. 

at least we can deduct the diapers as a medical expense and that helps a little bit,

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Thomas is right on, as is Rob.  Those of us who are active, have jobs, are in social gatherings, and are active in sports do use better diapers and, probably, more of them per day or week.

Actually, my costs are higher even than Rob as I am both bladder and bowel incontinent.  That adds some additional expense for changing messy diapers, latex gloves, rash cream, plastic pants, etc.  I also use traditional soapsuds enemas to manage my bowel incontinence (with the approval of 5 gastroenerologists and colorectal surgeons). That incurs additional cost for the equipment (not from drugstores), castile soap, absorbent pads, etc.

My wife keeps a very detailed record for taxes, right down to the cost of each jar of rash cream so we know exactly how expensive it is.  My total cost for 2018 was $4,400.  Of course, not all of that is deductible as a medical expense.

--John

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My average cost for diapers alone is about $300 a month.  I primarily buy overnight Rearz disposable diapers or ABU Simples/Simple Ultras.  I need I would say at minimum about 120 of these diapers a month.

My onesies I wear to exhaustion and replace them every year and a half.  I usually buy 10 at once and pay around $225 for them.

The Gary Activewear briefs I wear over my diapers are very durable.  I have thrown out only one or two pairs in over two years.  I would say at most about $100 a year for five pairs.

Abena fixing pants are also very durable.  Not one pair has worn out in over two years of wearing them almost everyday.  I initially bought 10 pair for around $125.

So for me it would cost me slightly over $4000 if I had to replace all my clothing.  I buy powder and calmoseptine ointment in bulk as well but one tube lasts months.

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13 hours ago, MarkSmith said:

My average cost for diapers alone is about $300 a month.  I primarily buy overnight Rearz disposable diapers or ABU Simples/Simple Ultras.  I need I would say at minimum about 120 of these diapers a month.

My onesies I wear to exhaustion and replace them every year and a half.  I usually buy 10 at once and pay around $225 for them.

The Gary Activewear briefs I wear over my diapers are very durable.  I have thrown out only one or two pairs in over two years.  I would say at most about $100 a year for five pairs.

Abena fixing pants are also very durable.  Not one pair has worn out in over two years of wearing them almost everyday.  I initially bought 10 pair for around $125.

So for me it would cost me slightly over $4000 if I had to replace all my clothing.  I buy powder and calmoseptine ointment in bulk as well but one tube lasts months.

HI there Mark.  Would you buy the Jar of Calmosphtine Ointment?  https://www.amazon.com/Calmoseptine-Ointment-2-5-Each-Pack/dp/B00E8JZTG4/ref=sr_1_6?keywords=calmoseptine+ointment&qid=1561943226&s=gateway&sr=8-6  For the house and then for on the road the tubes?  Or just tubes all the way?

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23 hours ago, DiaperboyEddie12 said:

HI there Mark.  Would you buy the Jar of Calmosphtine Ointment?  https://www.amazon.com/Calmoseptine-Ointment-2-5-Each-Pack/dp/B00E8JZTG4/ref=sr_1_6?keywords=calmoseptine+ointment&qid=1561943226&s=gateway&sr=8-6  For the house and then for on the road the tubes?  Or just tubes all the way?

I personally do not purchase jars of Calmoseptine oinment as I am constantly traveling and jars do not fit so fell in my toiletry bag.  I think if it was not for this fact I would buy jars as you get more for your money and it is much easier to apply.  Tubes, once they get low, require some serious labor to get any oinment out.

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1 hour ago, MarkSmith said:

I personally do not purchase jars of Calmoseptine oinment as I am constantly traveling and jars do not fit so fell in my toiletry bag.  I think if it was not for this fact I would buy jars as you get more for your money and it is much easier to apply.  Tubes, once they get low, require some serious labor to get any oinment out.

Cut the tube down the middle and you can then get more of it out.

I'm thinking of getting me both the jar and the tubes.  Tubes will be for when not at home and Jar will be for at home only.

 

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Each person is different in their AB. DL or incontinence lifestyle.  I understand those who need diapers for incontinence and have no choice.  Also those who have made the choice to become diaper dependent for their own reasons.  Me, I'm a cheap ass S.O.B. who doesn't like to spend much money.  I am a part time diaper wearer and do it a couple times a week just for my personal enjoyment.  I have many hobbies and activities I participate in, some costing more money than others.  I weigh my options and interests.  I could spend a lot of money on diapers that I just throw away (but I don't), I can spend $20 at the casino a couple times a month, I can spend $600 to go on a trip out of state once a year, I can purchase hobby items such as model trains, airplanes, collectibles that I will always have and enjoy.  In other words, I have many interests and I don't put all my eggs in one basket.  For me, diapers are a necessity mentally for my enjoyment but not physically.  I will buy most of my diapers at Goodwill or thrift stores and pay about $4 for a package.  i will splurge now and then on a bag of premium diapers and since I usually only wear diapers for 3 hours a day a couple times a week, the all day long premium diapers just get used on rare special occasions when I wear all day long, such as out of town shopping trips a few times a year.  I couldn't even think of spending $2,000 a year on diapers.  With my diaper interests it's probably closer to $150 this past year, and even that might be a stretch.  Working more this last year has allowed me to purchase a package of Betterdry diapers and a polo shirt onesie.  Those two items totaled about $80.  Without them, I would say my yearly diaper expenses are around $50 or $60.

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On 6/30/2019 at 6:57 AM, MarkSmith said:

Abena fixing pants are also very durable.  Not one pair has worn out in over two years of wearing them almost everyday.  I initially bought 10 pair for around $125.

Could you please send me a link to where you buy these? 

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28 minutes ago, MarkSmith said:

Thank you! These things are great and way better than the mesh ones they sell.

I think they stopped selling the cotton ones for a while, and I couldn’t find them anywhere else in the US. Bought a couple from a Canadian company, which is fine but slower and more expensive shipping.

 

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  • 5 weeks later...

I have found a store close by that sells merchandise at discount prices. They buy insurance lots from fires, floods, truck / train accidents. Everything is new and not damaged. They have a wall of diapers and pull ups. Because of the nature of their business you never know what you will find as far as brands and sizes. I sometimes find Tranquility ATN’s in the size M that I wear for $5 a bag. When they have them I’ll fill a shopping cart. That comes to just under 42 cents a diaper. I also sometimes find boosters too which I’ll pick up too. I find the ATN’s alone work well for regular wear and with a booster they work even better. I’m on a trip now and drove the 9 hours from Kansas City MO to Ft. Wayne IN in a boosted ATN. I changed once on the way so with the boosters included it still cost me less than $1. My girlfriend uses ATN’s also in XL with the same boosters and hers are the same price. We both bought some Rearz Pink Princess diapers at a store here in Ft. Wayne so our trip home will be much cushier ?

Hugs,

Freta

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i have worn wellness for years great diaper on the average i will need 2 to 3 a day not counting the night one which i wear cloth and pps . so you can look at a cost of  around 160 a month if you use 3 a day. they are plastic back and easy to retape since they have a landing zone for the tapes. a little bulky for pants but i wear dresses so its not a problem. 

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