12 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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I have premiums for a Medicare supplement , and also for Medicare RX plan. I am on the best coverage which means the highest monthly premiums, but it means good coverage for diabetic supplies. I hope this doesn’t change with socialized medicine because seniors are treated well.
I live in Canada so all doctor visits are covered, but no coverage for medications or diabetes supplies. Hopefully we will one have full coverage for needed medical items in Canada!
I am almost at my $3500 deductible. After that, all of my medical costs are covered 100%.
Insulin has a co-pays of $55 a vial. Pump supplies are $90 for three months. I am blessed that my mom pays for these, so I can afford my other bills.
My expenses after the $330 monthly premiums for Part B, Medigap and Part D are only for test strips (on Dex CGM) and spent $45 last year
I have a high-deductible plan. So once I hit $2,700 in out-of-pocket expenses (for all medical, not just diabetes supplies) I pay nothing more. This, in exchange for a lower monthly premium. It works for us.
I don’t have a deductible my out of pocket cost a month $21.00 my insulin is the most expensive at 3.00 for 2 vials the rest of my supplies are a dollar a piece but it’s nice but no coverage for cgms
It costs me nothing at all.
I live in the UK so NHS, everything to do with my diabetes is totally free to me.
I wish it was the same in the US, it should be and I hope things change there soon.
Me, too!
I have spent around $300 in the previous 3 months. My insurance has a $30 co-pay for any diabetes prescription but they stopped covering the test strips that work with the meter for my pump and that co-pay doubled to $60. Any pump supply is also $30 – infusion sets, sensors, reservoir etc. Even a new pump has only a $30 co-pay.
While it may be unfair to lump all my health insurance costs (I excluded my wife’s premiums), into “diabetic related,” many of the high-priced consultants I employ, with few exceptions, are because of and driven by the underlying diabetic condition. Therefore the $3,000+ calculation was arrived at as follows:
CVS out of pocket yearly expense $1,303
Medicare yearly premium $1,872
Private insurance yearly expense $8,196
Private insurance dental premium $672
Summation = $12,043. Divide by 4 for a 3-month estimate of $3,011
Deductible, pump supplies, Dexcom sensors, insulin, Victoza, glucose tablets, it is the same every 3 months except for the deductible.