Looks like my old thread was closed due to inactivity.
Consider this thread part two. The Obamacare exchanges have now opened, and there's news on the diaper-coverage front.
Thus far, I can't get straight answers from insurance providers on diaper coverage - on either physical or psychological grounds. I suspect HHS has yet to issue a formal ruling, hence the lack of firm statements by insurers when I ask.
To be honest, I can't even get most basic coverage questions answered at the moment... by the time I get to diapers, the insurers are usually exhausted from repeated "I/we aren't sure yet's"
The good news is that the truly poor can, in most states, now get diapers covered. You can now pre-order Medicaid coverage if you are below 400% of the federal poverty level - and Medicaid does provide coverage for diapers. More importantly, diapers are covered for all conditions, unlike in some other countries were psychological conditions are barred.
I'll keep people posted on what I find out on non-Medicaid coverage. But, regardless of if you will ask for a script for diapers, if you are poor, go sign up for Medicaid if you are eligible. Some states have opted-out of the Medicaid Expansion, so you'll have to check with your state's insurance exchange online.
If you have a serious medical condition and qualify for Medicaid, but live in a state that has opted-out, I would urge you to consider moving to a state that is opting into the Medicaid Expansion if at all possible before year's end. You'll finally be able to get treatment for your chronic conditions. If you move after January 1, you may have to wait until the following calendar year to get Medicaid benefits.