Hey all!
I’m set to turn 26 in September, and am looking at some options besides employer sponsored health insurance to manage my diabetes. For context, I’m on the tandem t:slim pump, dexcom cgm, and novolog.
Was wondering if anyone has any experience using ACA insurance to manage their diabetes
Not sure why the employer program would be avoided as that is likely the lowest cost option as the employer pays part of the cost. This is what I use.
The ACA may be the next best option for costs.
The Direct Primary Care is probably cost prohibitive as the costs are a regular payment for the doctor, prescriptions have no reduction in costs, but there would be no deductible and there would be the flexibility to get the prescriptions filled wherever the costs are least, GoodRX may be the best option.
Do you not have employer-sponsored? Typically that will be your best bet if available. It’s almost always cheaper than an ACA plan unless you’re really low income.
You might be allowed to keep coverage under your parent’s plan through year end of the year you turn 26, so double-check that. If not, losing coverage should be a qualifying life event under your employer’s plan (if your employer offers a plan), so you can join mid-year.
DPC won’t cover your meds and equipment, which can be pretty pricy. It also won’t cover ER visits, hospital stays, etc. It will just cover your doc visits and maybe some labs or imaging.