Diabetic supplies and co-pays for appointments and prescriptions are probably the areas that cost people with diabetes the most. When shopping around for insurance it’s important to check with the insurance company about their prescription coverage for blood glucose strips and insulin. Is there a cap on how much is reimbursed per year for prescriptions or a limit on how many blood glucose strips they will cover on a monthly basis? What types of supplies are covered under the durable medical equipment (DME) coverage?
For pump users, ask whether pump supplies are covered under DME at 80 percent or 100 percent? Does the insurer cover continuous glucose monitoring and under what conditions? What are the copays for specialists and for routine office visits? Are visits for diabetes self-management or medical nutrition therapy covered and is there a yearly limit on the number of visits? Do the specialists you currently see accept the insurance plan? Is there a high deductible? Once the deductible is met, what happens to your co-pays? Someone with diabetes should think about what costs them the most and then ask about those particular items when talking to the insurance company.