Every Health Insurer is different and how they cover a CGM can also vary between a Pharmacy Coverage vs Insurance durable medical equipment. Copays and deductibles are the new way for insurers to minimize their out of pocket. Freestyle Libre is the lowest cost CGM when you compare Cash prices between Dexcom and Abbott, e.g. ~42.00 at CVS, ~40.00 Walmart for the Libre. Dexcom doesn’t sell to retail pharmacies, you have to use Byram or Solaris. If your insurance is similar to my Bluecross, I had to satisfy a 2,500 deductible before insurance would start paying their share of CGM and pump supplies. The deductible can be satisfied by other medical expenses, so I usually just come up with most likely scenarios of medical expenses that I can predict. You need 36 sensors a year, buying them without insurance will cost you 1455.88 cash price at Walmart. No tax is charged if you have a Dr script. 200 seems like a big co-pay, but not the biggest I have paid, but it is less then the cash price.