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Make the most of your coverage with these insurance tips

Whether you have private insurance or Medicaid or Medicare coverage, or purchased a policy through the Health Insurance Marketplace, you want to be sure you're getting all you can from your benefits. Here are a few things to keep in mind.

Know your copays. Plans often cover different brands at different copays—the amount of money you pay out-of-pocket each time the prescription is filled. Copay amounts and coverage tiers vary from plan to plan, so it's important that you check with your insurance provider to know yours. If Accu-Chek products aren't available at your plan's lowest copay, see if you qualify for the Accu-Chek Preferred Savings program.

Find out what else is included. Many policies will cover sessions with a registered dietitian or diabetes educator on a regular basis, if you're having trouble staying in range, or whenever there's been a change to your therapy. Some insurance plans, including Medicare, will pay for special shoes or inserts, flu or pneumonia vaccines, foot exams, and more.1,2

Talk to your providers. Sometimes, providers have exceptions for items or services your healthcare provider deems "medically necessary." A note from your doctor is all it takes to get the additional testing supplies or specific brands you need. So don't assume that, because it isn't in the policy or offered by your mail-order provider, you'll have to go without. Learn more about what brands are covered by Medicare and Medicaid on our Medicare Part B changes page.

Understand your rights. Under the Affordable Care Act, you cannot be denied coverage or charged more because you have diabetes or another pre-existing condition.3

1Medicare.gov. Diabetes supplies and services. Available at: https://www.medicare.gov/coverage/diabetes-supplies-and-services.html. Accessed April 11, 2016.
2Coverage and reimbursement depend on a number of factors, including the patient's condition and are subject to deductibles and coinsurance. Certain plan restrictions may apply.
3Healthcare.gov. Coverage for pre-existing conditions. Available at: https://www.healthcare.gov/coverage/pre-existing-conditions/. Accessed April 11, 2016.