Test strips are an essential part of successfully monitoring blood sugar levels for people with diabetes. Most insurance benefits cover test strips, as does Medicaid and Medicare, but the amount of coverage depends on the health insurance benefits and co-pays of the individual plan.
Test strips are one of the most expensive items for monitoring blood sugar and even with insurance, they can be expensive due to co-pays and the need to meet deductibles. They can also be purchased over-the-counter at pharmacies, but the cost can be prohibitive for those that are uninsured or underinsured.
Most insurance companies will cover test strips, but the amount and brands can vary by provider. Some insurance companies only pay for a certain amount of test strips, which may not meet the needs of the individual. Other insurance companies pay for a set number of strips that are far more than the individual needs per month.
Depending on the insurer, there may be expensive co-pays that are even more costly than if the person just bought them over-the-counter. It’s imperative that individuals understand what diabetic supplies their insurer will cover each month.
Medicare Part B will pay for 100 test strips per month if an individual injects insulin. For those that are on oral medication only, Medicare will pay for 100 test strips every 3 months. A prescription from a doctor is required for Medicare to cover the cost and deductibles and co-pays will apply.
When it comes to Medicaid, each state decides what diabetic supplies are covered, even though the program is partly funded by the federal government. The state also determines if there are “preferred” medications or supplies that Medicaid will cover.
There’s still wide spread confusion among diabetics as to what their medical plans cover due to the variations in insurance plans and the regulations that states place upon Medicaid plans. Even for those with Medicare, deductibles, co-pays and co-insurance will apply and much will depend on if the individual has drug coverage (Part D) or a Medicare Advantage Plan.
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