So, I’m from the US…and I’m not sure I can even explain our crazy system in a single post.
I’m lucky enough to be employed by a large institution, so I’m able to be a part of that institution’s group policy, which offers reasonable coverage. But even with this policy, I do still pay for things.
Part of the great thing with my plan is that there is a limit to how much I have to pay for insulin - $20/month. Insulin can get shockingly more expensive than this. And, since I use 2 types of insulin (short and long-acting), I am really paying $40/month. Everything else is also partially covered. I end up paying around $8/month for my test strips. There is a $25 fee to see a general doctor, and a $50 fee to pay my specialist. My insurance covers 80% of my CGM supplies, and I pay 20%. And if that is not complicated enough, all other fees are subject to a really complicated system for determining how much your insurance pays, and how much you’ll be billed for. One of the big downfalls is that it is often nearly impossible to be certain of the amount you’ll be responsible for in advance. So you go to the doctor, and then are left waiting anxiously to see how it will all fall out. Ugh.
And my insurance really is the “best case scenario.” My dad is also a type 1 diabetic, and he runs his own small business, meaning that he has to get private insurance. This is a really, really bad deal for a diabetic. He has to pay nearly full price for his insulin and doctors visits…the insurance pretty much only kicks in if something catastrophic happens.