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Health Insurance and Diabetes

Navigating the Medical Insurance World

Navigating the health insurance world with type 1 diabetes or type 2 diabetes takes some skill, but it's definitely doable. Having diabetes means that your health insurance needs will change. It's important to have a medical insurance plan that covers the needs of your condition—insulin (if you need it) and other diabetes supplies and medications.

Make sure you fully understand your health insurance plan and the options available to you. If something doesn't seem right or if you have questions, call your health insurance provider. You can also go to your health insurance provider's website, which typically provides answers to frequently asked questions.

health insurance and diabetesNavigating health insurance when you have diabetes requires patience and persistence. To help you get started, below are some questions you can ask your health insurance provider.

  • What's covered under my plan? Are certain supplies (eg, insulin pumps) covered?
  • What is my deductible?
  • Can you estimate how much my diabetes care will cost per year?
  • What other services are provided to me, such as diabetes supports groups and diabetes education?
  • If my child has diabetes, is he or she covered under my plan?

You may also want to shop around for the cheapest prices of where to buy insulin or other diabetes supplies. For example, a big box store may offer lower prices on diabetes medications than a small pharmacy.


Health Insurance Resources for Good Diabetes Care

  • The National Diabetes Information Clearinghouse has detailed information about health insurance options for people with diabetes. You can also read about Medicare, Medicaid, and State Children's Health Insurance Program here.
  • The Centers for Medicare and Medicaid Services (CMS) offer extensive information on Medicare benefits for diabetes supplies and services.
  • For information about how to navigate your health insurance options, including the insurance plans available to you, check out the federal government's website.
  • The JDRF has an adult toolkit for type 1 diabetes that provides information about the financial impact of diabetes, as well as healthcare services available to you.

The bottom line when it comes to health insurance and type 1 diabetes or type 2 diabetes is that you can navigate the health insurance world. Don't be afraid to ask questions about your medical insurance—you have the right to good diabetes care.



Updated on: December 9, 2015