I need to know what or where to get good health insurance for a type one diabetic?
Diabetic supplies and co-pays for appointments and prescriptions probably cost people with diabetes the most. It is important to check with the insurance company about its 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? Are pump supplies covered under the durable medical equipment coverage at 100% or 80 %? Does the insurer cover continuous glucose monitoring and, if so, under what conditions? What are the co-pays 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? As you formulate more questions of your own, think about what it is that you pay the most for with regard to your type 1 diabetes and then ask specific questions around those costs.