Make the most of your coverage with these insurance tips
Whether you have private insurance, 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 program – with rising insurance co-pays and deductibles, Accu-Chek Guide SimplePay could save you more on test strips than your 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 your Medicare coverage in our Medicare Part B coverage for diabetes supplies article.
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
Focus on your health. Not the cost.
Even if insurance changes, the Accu-Chek Guide SimplePay savings program stays the same.1