Sarah Howard (nee Tackett) has dedicated her career to supporting the T1D community ever since she was diagnosed with T1D while in college in May 2013. Since then, she has worked for various diabetes organizations, focusing on research, advocacy, and community-building efforts for people with T1D and their loved ones. Sarah is currently the Senior Manager of Marketing at T1D Exchange.
I am on Medicare with an insulin pump so it is free under medicare part B. Many do not know that is the Medicare rule and think it is a part D drug. IT IS NOT. Do not be taken by the big 3 Medicare Part D profit machines!!
I pay nothing for insulin under my Part D plan, but I pay a lot for Omnipod, which is also covered by Part D, not Part B as tubed pumps are. I think that CMS and Omnipod share half a brain between them.
I live in the UK (United Kingdom of Great Britain and Northern Ireland) where our NHS (National Health Service), which is funded via direct taxation of all working people, pays for all of my diabetes supplies.
I am on Medicare and chose Standard Medicare, Part A + B, with a Part N Supplement and a separate Part D Prescription Drug Plan. I use 2 vials of NovoLog/month in my insulin pump which is covered under Medicare Part B (Durable Medical Equipment because it is used in a pump vs, Medicare Part D Prescription Drug Coverage which covers insulin which is injected.) My Part N Supplement requires me to pay the Annual Part B Medicare deductible before Medicare will pay for any Part B items (e.g. Pumps, pump supplies, CGM supplies). In 2022, that deductible amount is $233 and was applied when I obtained my insulin in early January. (If my pump supplies or other Part B items had been purchased before the insulin, the deductible would have been applied to that instead.) After satisfying my Part B deductible, Medicare pays 80% of the approved Medicare cost for insulin and my supplement picks up the remaining 20%. After satisfying my Part B deductible, my insulin cost is zero.
Currently, $0. Before my deductible was met ($3500), it was about $600. I get two vials a month of Humalog. I use about 1.25 to 1.5 vials a month, so my prescription is for 2 vials.
I said I pay $0 for insulin, but I do pay $372.30 for Medicare and $206.00 for my Medicare F+ supplement every month, which covers regular Medicare’s copays and deductibles.
At this time I have a very high deductible. I am trying to find a Canadian pharmacy that is cheaper than here in the states. The cheapest I have found is a Humalog vial for $150
My first years supply, one vial, invokes my deductible jacking the cost to close to $400. After that $38 each until the doughnut hole and they’re $100 each. Liquid gold!
I have a high deductible HSA PPO insurance plan and in prior years before my deductible was met I would pay $300 a vial for Novolog. Thankfully the plan changed and pharmacy prescriptions are no longer part of the deductible and my 90 day supply (4 vials) is $60 ($15 each). It really doesn’t matter since I always meet my $2,700 deductible only now it takes a few months longer.
I live in France, where diabetes is considered to be an “ALD” (Affection de Longue Durée), or a long-term illness. For an ALD, all medicines related to it are fully paid for by the state-sponsored health plan. I pay a 1 € fee every time I fill a prescription. FYI, insulin prices are quite reasonable here. The pharmacy receipt shows that a 10 ml bottle of Humalog U-100 costs 17.50 €, or about $18.40. (I don’t pay for that.) Humalog’s price was about the same 20 years ago. No diabetic in France needs to worry about affording insulin. If they did, the price is so reasonable it would remain affordable. (Such are the advantages of socialized medicine.)
It’s nice for you that France has figured out that diabetes and the need for insulin is a long-term illness. The USA Medicare system has not figured that out, and requires that we see a doctor every three months, for which I pay approx. $40 for each visit. Plus, I periodically need to get new prescriptions for insulin, and have the doctor prove that I still need it. The same goes for insulin pump supplies. Maybe Medicare will figure it out in another 100 years.
I chose “other” because I have new insurance and am unclear what my insulin will cost. I had to get some long-acting insulin and the cost was $185.00 for 3 pens. Yet, when I went to get my 3 month supply of short-acting insulin it was $0.00. So, again, I am not sure.
I am perplexed that others get it through medicare at zero cose while part D charges $35/month. It looks like I need to call Medicare and sort this out. Thanks to the others who alerted me to this.
I tried the Part B method with Medicare once. They wanted me to pay a deductible first. So, I stuck to my Part D prescription plan, and pay $55 for 3 months. I figured it’s cheaper.?.
My answer will be of no use to anyone. I go to the casino to get insulin. It is called CVS, Inc. The amount varies every hour of every day. No laws, no regulations, no nothin’.
It is like playing the old walnut shell game—guess which walnut half-shell contains the pea?
Oh, and the CEO of CVS? She got $11.5 million and is expected to get $15 million this year. Good job, m’am! ཀ ʖ̯ ཀ
I pay $35 for a 3 month supply of insulin, no matter what that amount is. My doctor writes my prescription for a little extra every month, in case of illness or mishap. I have been able to build up a backup supply, thanks to this.
I’m on a pump, with Medicare Part B and my United Healthcare Medicare Supplement I have no out of pocket for the insulin. I do pay several hundred dollars each month for this coverage which to me is well worth it every time I see the $ amount these companies actually billed for!
I copay $70 per month for one vial glargine @$35 and one vial lispro @$35. No discount for my 90 day Rx. I have a Kaiser Permanente Medicare “Advantage” plan in Seattle. Yearly deductible is over $4000. Recent state law sets max insulin price at $35 per vial.
I get a 90 day supply for $35. If I got only a 30 day supply it would be $30.
Suchna deal. 😉
My 90 day supply costs $55. Divided by three equals $18.33 per month. Novolog for my Tandem X2 pump.
I am on Medicare with an insulin pump so it is free under medicare part B. Many do not know that is the Medicare rule and think it is a part D drug. IT IS NOT. Do not be taken by the big 3 Medicare Part D profit machines!!
I pay nothing for insulin under my Part D plan, but I pay a lot for Omnipod, which is also covered by Part D, not Part B as tubed pumps are. I think that CMS and Omnipod share half a brain between them.
@Bill Williams,
Not even half a brain between them, sir. 😉
Medicare is penny-wise and pound foolish, IMHO.
With Medicare the OOP Cost is $0 but the Premiums are $358 a month
I live in the UK (United Kingdom of Great Britain and Northern Ireland) where our NHS (National Health Service), which is funded via direct taxation of all working people, pays for all of my diabetes supplies.
I am on Medicare and chose Standard Medicare, Part A + B, with a Part N Supplement and a separate Part D Prescription Drug Plan. I use 2 vials of NovoLog/month in my insulin pump which is covered under Medicare Part B (Durable Medical Equipment because it is used in a pump vs, Medicare Part D Prescription Drug Coverage which covers insulin which is injected.) My Part N Supplement requires me to pay the Annual Part B Medicare deductible before Medicare will pay for any Part B items (e.g. Pumps, pump supplies, CGM supplies). In 2022, that deductible amount is $233 and was applied when I obtained my insulin in early January. (If my pump supplies or other Part B items had been purchased before the insulin, the deductible would have been applied to that instead.) After satisfying my Part B deductible, Medicare pays 80% of the approved Medicare cost for insulin and my supplement picks up the remaining 20%. After satisfying my Part B deductible, my insulin cost is zero.
My current co-pay is $60 for three months of insulin, which comes out to $20 per month.
Switched to MDI. Pens are $35 copay each. Not fair. Was covered with pump. Just don’t get it.
Currently, $0. Before my deductible was met ($3500), it was about $600. I get two vials a month of Humalog. I use about 1.25 to 1.5 vials a month, so my prescription is for 2 vials.
I said I pay $0 for insulin, but I do pay $372.30 for Medicare and $206.00 for my Medicare F+ supplement every month, which covers regular Medicare’s copays and deductibles.
At this time I have a very high deductible. I am trying to find a Canadian pharmacy that is cheaper than here in the states. The cheapest I have found is a Humalog vial for $150
My first years supply, one vial, invokes my deductible jacking the cost to close to $400. After that $38 each until the doughnut hole and they’re $100 each. Liquid gold!
I have a high deductible HSA PPO insurance plan and in prior years before my deductible was met I would pay $300 a vial for Novolog. Thankfully the plan changed and pharmacy prescriptions are no longer part of the deductible and my 90 day supply (4 vials) is $60 ($15 each). It really doesn’t matter since I always meet my $2,700 deductible only now it takes a few months longer.
#BeWell
Zero for insulin as long as I’m on a pump, but I have to pay Original Medicare Part B premiums and supplemental insurance premiums.
Based on pre-deductible 3 mo supply divided by 3
Medicare Part “B” pays 80%. My Federal Blue Cross Blue Shield, Secondary Insurance (Not Supplemental Ins.) pays the rest.
Nothing out of pocket.
I am completely covered by my provincial insurance for Insulin
question is misleading; should hav been 2 part, r u on pump (insul should be free), if not what is insulin cost
$55.85 every two weeks. I am on a pump but do not have a supplement.
I live in France, where diabetes is considered to be an “ALD” (Affection de Longue Durée), or a long-term illness. For an ALD, all medicines related to it are fully paid for by the state-sponsored health plan. I pay a 1 € fee every time I fill a prescription. FYI, insulin prices are quite reasonable here. The pharmacy receipt shows that a 10 ml bottle of Humalog U-100 costs 17.50 €, or about $18.40. (I don’t pay for that.) Humalog’s price was about the same 20 years ago. No diabetic in France needs to worry about affording insulin. If they did, the price is so reasonable it would remain affordable. (Such are the advantages of socialized medicine.)
It’s nice for you that France has figured out that diabetes and the need for insulin is a long-term illness. The USA Medicare system has not figured that out, and requires that we see a doctor every three months, for which I pay approx. $40 for each visit. Plus, I periodically need to get new prescriptions for insulin, and have the doctor prove that I still need it. The same goes for insulin pump supplies. Maybe Medicare will figure it out in another 100 years.
I chose “other” because I have new insurance and am unclear what my insulin will cost. I had to get some long-acting insulin and the cost was $185.00 for 3 pens. Yet, when I went to get my 3 month supply of short-acting insulin it was $0.00. So, again, I am not sure.
**I am on a pump. I just saw that someone stated that if you are on a pump your insulin should be free. I’ve never heard this before. Please explain!
I am perplexed that others get it through medicare at zero cose while part D charges $35/month. It looks like I need to call Medicare and sort this out. Thanks to the others who alerted me to this.
If you’re using an insulin pump, insulin should be charged to Part B. Your doctor’s script must show diagnostic code.
Part B has zero copay.
I tried the Part B method with Medicare once. They wanted me to pay a deductible first. So, I stuck to my Part D prescription plan, and pay $55 for 3 months. I figured it’s cheaper.?.
I start the year at about $1200 for the first few months. This time of year, I’m at $100 or $200 or so per month.
My answer will be of no use to anyone. I go to the casino to get insulin. It is called CVS, Inc. The amount varies every hour of every day. No laws, no regulations, no nothin’.
It is like playing the old walnut shell game—guess which walnut half-shell contains the pea?
Oh, and the CEO of CVS? She got $11.5 million and is expected to get $15 million this year. Good job, m’am! ཀ ʖ̯ ཀ
Medicare in a tubed pump so pay 20%, plus I’m allergic to the preferred insulin.
I pay $35 for a 3 month supply of insulin, no matter what that amount is. My doctor writes my prescription for a little extra every month, in case of illness or mishap. I have been able to build up a backup supply, thanks to this.
I’m on a pump, with Medicare Part B and my United Healthcare Medicare Supplement I have no out of pocket for the insulin. I do pay several hundred dollars each month for this coverage which to me is well worth it every time I see the $ amount these companies actually billed for!
Detailed answer is exactly $150 every 90 days for Tresiba and Fiasp from Medicare Advantage HMO.
I copay $70 per month for one vial glargine @$35 and one vial lispro @$35. No discount for my 90 day Rx. I have a Kaiser Permanente Medicare “Advantage” plan in Seattle. Yearly deductible is over $4000. Recent state law sets max insulin price at $35 per vial.
$50 per month is for
Seniors with govt assistance
I order insulin through my mail order pharmacy service and $30 for one month is my copay.