I have Empire Blue Cross Blue Shield.
9 vials Humalog/90 days = $70. I don't need 9 vials and plan on asking my CDE to cut it back when I see her next month, but the $70 for 90 days will still be the same no matter how many I get. I get them through the mail order pharmacy.
Pump, infusion sets, reservoirs, sensors & IV Prep wipes - I get these from Minimed. Sets/wipes every 90 days, sensors as needed (2 boxes a few times a year) and I have a stockpile of reservoirs so haven't had any ordered in a long time. All covered as DME 100%.
Test strips - 1200/90 days from Edgepark as DME, covered 100%. I had been getting them as prescription/pharmacy but insurance just imposed a 200/month limit and raised the co-pay from $10 to $35.
I could also get lancets, alcohol swabs, ketone strips and a few other items through Edgepark as DME with no co-pay but I don't need any of those things.
Doctor/specialist visit co-pay = $25.
There are ER and hospital admission co-pays but I'm not sure how much. Maybe $200/ER, $500/hospital. I hope to not have to take advantage of those! Lab costs covered 100% as long as I use Quest Labs. Any other lab I'm responsible for the cost.
[quote user="Matt Johnson"]Right now I'm on my mom's insurance plan but I know as soon as I'm through with school I'll have to find my own insurance plan, probably through my job. I'm just wondering what kind of costs I may have to expect and if there's any discrimination against diabetics from insurance companies. [/quote]
Whatever you do, do not let your coverage lapse. If you go more than 63 days without coverage you will end up with pre-existing condition clauses (they will not cover anything diabetes related for a year) and you may have a very hard time getting insurance unless it's through a group plan. Even then, the pre-existing condition will apply. People who aren't offered insurance through their job find it nearly impossible to get insurance on their own. It's extremely expensive and coverage is minimal. I don't know what the rules are regarding students aging off their parents' plan and COBRA, but if you can get COBRA then do it. Even if it's expensive, just until you get a job that offers group coverage.