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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. Or find out about the Accu-Chek Guide SimplePay savings card—always pay a low price for test strips without insurance.1,2

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.3,4

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.5

1THE CARD IS NOT INSURANCE; IT IS A CASH DISCOUNT PROGRAM AND CANNOT BE COMBINED WITH ANY FORM OF HEALTH INSURANCE. Those insured by any government healthcare program, such as Medicare, Medicaid, the military or VA, are NOT eligible for this offer. Insurers may offer a lower cost option. 30- or 90-day Accu-Chek Guide test strip prescription required. Limit 12 vials per refill. Refills cannot be dispensed before 75% of previous days’ supply have elapsed. Program may be changed or discontinued at any time.
2Discount varies based on quantity of test strips purchased. See card for details.
3Medicare.gov. Diabetes supplies and services. Available at: https://www.medicare.gov/coverage/diabetes-supplies-and-services.html. Accessed August 14, 2017.
4Coverage 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.
5Healthcare.gov. Coverage for pre-existing conditions. Available at: https://www.healthcare.gov/coverage/pre-existing-conditions/. Accessed August 14, 2017.