When you have a chronic condition like diabetes, the path to finding the correct insurance can be particularly hard to navigate. While insurance providers should not be able to exclude you from purchasing private medical insurance, they can charge you higher rates than they would individuals who do not suffer from the same condition.
If you qualify for federal or state healthcare assistance, you will find that some, if not all of your Medicare requirements will be covered for the most part by the insurance that you are entitled to.
Let’s have a look at the main insurance assistance programs and how they could help:
Medicare
Medicare Part B medical insurance provides coverage for medically necessary doctor’s services, outpatient care, durable medical equipment, lab tests, and preventive care.
As a diabetes patient, you will be covered for blood glucose monitors, blood glucose test strips, lancet devices, lancets, and glucose control solutions, but the amount covered will vary between patients.
If you use insulin you may be able to get up to 300 test strips and 300 lancets every three months, while patients who don’t use insulin may still be able to get up to 100 test strips and 100 lancets every three months. If your doctor says it is medically necessary, you can also get additional quantities of testing supplies.
Medicare Part B also covers insulin pumps and pump supplies (including the insulin used in the pump) for patients with specific requirements.
Medicare National Mail-Order Program for Diabetes Testing Supplies
The mail-order diabetes supplies included in the National Mail-Order Program are:
- blood glucose test strips
- lancets
- lancet devices
- batteries
- control solution
These can be delivered to your home or collected from a local pharmacy that is enrolled in Medicare.
Medicaid
Medicaid is a state-administered health insurance program for certain individuals and families with low incomes and resources. Each state sets its own eligibility requirements for their program subject to federal rules.
In Florida, for example, Medicaid recipients with diabetes will receive medically necessary durable medical equipment (DMEs) and medical supplies including blood glucose meters, test strips, syringes, and lancets.
The Health Insurance Marketplace
There is a Health Insurance Marketplace available in every state, and it enables individuals to buy the health insurance products that best suit their needs. Individuals with incomes below a certain level who do not have an offer of affordable insurance from their employer, and do not qualify for certain other types of coverage, may be eligible for financial help to purchase insurance.
Diabetic supplies will be covered under Marketplace insurance coverage, but the items covered will vary by provider.
Health Insurance for Diabetics
Diabetes is a serious, chronic condition that needs continual self-management. When you are shopping for health insurance, it is important to ask if the plan covers the diabetes supplies, services, and prescription drugs you need, and what it costs. Look at all costs, such as the deductible and co-pays for doctor visits and each prescription drug you need.
Sell Us Your Test Strips
If you have extra, unopened and unused boxes of diabetic test strips – whether you have switched brands, no longer need to test or test less frequently, or have a loved one who has passed away – don’t let them gather dust until they’ve expired and end up in the trash. We’re the best place to sell diabetic test strips online, and if you want to sell your test strips, we’re here to make the process easy and enjoyable!
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