14 Comments
How much have you spent (deductible, copay, out-of-pocket) on all of your diabetes supplies in the past three months?
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This year (2023) in MA the insurance companies put CGMs and regular supplies behind the deductible. Next year, they include CGMs free of charge with the other blood glucose monitors, but the other regular supplies, e.g. test strips, etc are still behind the deductible. It makes for an expense start of the year unless you upgrade to a Gold plan with no deductible.
none since I hit my OOP max due to a non-T1D related operation in March. it’s nice to have to pay for scrips!
I paid $0 since I paid my Medicare Part B deductible in the first quarter of the year. I do buy glucose gummies during the year but I don’t track how much I spend.
This will change in 2024 because I have switched to a Medicare Advantage plan where I pay no premium, compared to the $3500 I would have paid for my supplemental. The savings will be considerable even though we’ll have more out-of-pocket costs.
As its end of year its $0 but my deductible was $7200 this year and I almost always meet it within first 3-4 months at beginning of year.
I maxed my insurance out of pocket more than 3 months ago so I’ve had zero cost supplies and prescriptions and appointments.
$210 for insulin
$60 copay on InPen
$30 for insulin needles
Again, supplies are fairly modest. Copays and co-insurance costs were approximately $2,500.00.
20.00
$0. I live in the UK (United Kingdom of Great Britain and Northern Ireland) where ALL of my diabetes supplies are paid for by our NHS (National Health Service), which is financed via direct taxation of all working people that earn more than a given amount.
I wish that the USA would have a national health care system, but alas, we do not because BIG PHARMA lobies against such “socialism”. Healthcare is a right, not a privalige. Opponents of medicare for all in the USA also argue that “patients will have to wait too long to be able to see a provider”. Well, people in my country are always having trouble getting an appointment that is not 4 or so months away. I stayed in the UK for two years many years ago and was so very envious of the healthcare system over there. I hope that one day people in my country will wake up and stop being so scared of democratic socialism.
@ELYSSE HELLER. I appreciate what you say, ma’am, but I’m not so sure about Healthcare being a right, rather than a privilege. During my time in the Military, I’ve served in countries where the very basics, such as having clean water, sanitation, etc. are not even considered a “right”. After all, someone has to pay … in one way or another.
I am aware of how SOME people in the United States view your Healthcare system as I’ve lost internet ‘friends’ over the years, with a few of them not being able to afford insulin. I’m also aware that SOME people would argue about paying for something, such as in the Healthcare system we have in the UK, and getting nothing in return.
I agree that BIG PHARMA controls a lot of what decisions are made in respective Governments. This is why the British Government will not pay for certain drugs and/or treatments, which results in people having to “beg” for assistance to raise funds to travel to countries, such as the United States, where these medications and/or treatments are available.
Politicians over here ‘harp on’ about how our NHS (National Health Service) is the envy of the world. I suppose that, in some respects, that is true, but not in all ways. (Some of the racist critics over here ‘waffle on’ about how people come to the UK specifically to use the NHS, knowing full well that they’ll never be ‘tracked down’ to pay for what they receive.)
I’m afraid that I don’t have ‘the answers’ that would ensure everyone has access to free medical care and attention. To me, that’s what we elect Members of Parliament for. Sadly, since the NHS was introduced in 1948, not many Politicians have seen fit to continue with the initial concept of ‘free at the point of use medical care to the whole population’. SOME people over here go along with taking out alternative insurance that pays for medical treatment and/or faster appointment times to see doctors/nurses/physiotherapists, etc. etc.
My Medicare plan F cost is over $250/month but thankfully it covers everything related to my T1D expenses.
Not much, just a couple of Bucks on Alcohol Pads and I.V. Prep pads.
(I did not answer the question for the 3 months, but rather the last 3 months in which I reached my out of pocket). I’m fortunate that I have excellent private insurance. I have a $300 deductible and $1000 out-of-pocket, so $1300 for the year.