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Insurance tips

Whether you have private insurance or Medicaid or Medicare coverage, there are ways you can make the most of your benefits. For example, just knowing what suppliers are on your insurance company's "preferred" list may help you save money each month.

Plans with different levels of prescription coverage often have different co-pays—the amount of money you pay out-of-pocket each time the prescription is filled. Co-pay amounts and preferred status vary from plan to plan, so it's important that you check with your insurance provider to see if the products you're using are on the preferred list. Other non-preferred products may also be covered, possibly at a higher co-pay.

Example of co-pay savings


Insurance Company Tiers

Monthly Co-Pay

Yearly Cost

Non-Preferred

$30

$360

Preferred

$15

$180

Generic (Not available in this category)

N/A

N/A

Out-of-Pocket Savings

$15

$180


Your actual co-pay savings may be more or less than the example here.1 Check your specific plan to find out the exact savings associated with a preferred brand.

Because ACCU-CHEK products are preferred by many healthcare plans, your out-of-pocket costs are often the lowest available. If ACCU-CHEK products are not a preferred brand, be sure to ask your employer or plan administrator to request that they be added.

Medicare benefits

If you have Medicare Part B coverage, your ACCU-CHEK meter and testing supplies are covered up to certain limits.2

Medicare limits


Supplies

If You Use Insulin

If You Do Not Use Insulin

Test Strips

100 per month

100 every 3 months

Lancets

100 per month

100 every 3 months

Lancet Device

1 every 6 months

1 every 6 months


Your deductible, insurance from other policies, and co-pays—the amount you pay out-of-pocket—will apply. Medicare will reimburse 80% of the Medicare allowed amount or 80% of the retail price, whichever is less.

Under Medicare your healthcare professional may prescribe any standard ACCU-CHEK system, so you can select the meter that suits your needs.

Please note that Medicare claims must be submitted by your pharmacy or other supplier. Shop around and find a provider you're comfortable with. Make sure they are a Medicare supplier and carry the exact brand and style of meter and test strips you want. If they don't, you will want to purchase your testing supplies from another provider.

Private insurance coverage

If you have private insurance, your insurance company may pay all or part of the cost of your diabetes testing supplies.1 Review your benefit plan or contact your insurance company to find out what products and services they cover.

Diabetes testing equipment and supplies may be listed under "durable medical equipment" (DME) or prescription drugs. Be sure to check both sections for coverage. Also note whether there are any specific pre-authorization guidelines you must follow—this is especially key for supplies listed as durable medical equipment.

If you don't find diabetes equipment and supplies specifically listed among your benefits, write a formal request to your insurance company or human resources department to see if you can be covered for these items. A letter from your healthcare professional explaining that these products are medically necessary may also help you obtain coverage for the supplies you need.

For answers to additional questions about health insurance and diabetes, visit the American Diabetes Association health insurance pages.

 

1Coverage 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.
2Coverage may vary based on your condition and other factors.

 

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The top tier of coverage for some insurance plans. Because ACCU-CHEK products are preferred by most healthcare plans, your out-of-pocket costs are often the lowest available.*

 

*Co-payments and preferred statuses vary from plan to plan.