What To Know About Insulin Coverage And Medicare Supplement Programs

One of the leading concerns for many people on Medicare is getting their prescribed insulin. Insulin can be a very costly medication. Insulin is also a life-saving medication for many people. If you are on Medicare and need to cover your insulin each month, there are some key points you should know. Here are some key points of information to know about medicare supplement drug coverage, or Part D, where your insulin is concerned. 

Medicare Drug Plan

One of the key points to know about insulin coverage and your Medicare supplement plan starts with a medicare drug plan. In order to have insulin and your insulin supplies, such as injectors and testing equipment, you must be on a drug plan. There are many plans available and these plans vary from state to state. You will need to find a drug plan that covers your prescriptions. Once you have found a suitable program, you can then access the Medicare Part D supplement to cover the supplies. Keep in mind, you need to read your drug plan coverage to ensure it will cover the supplies and insulin you need each month. Some plans are limited to the amount they cover or the bottles of insulin they will cover per 30 day period.

Mail Programs

You may be interested to know that you can use your supplemental Part D drug coverage to cover mail-ordered supplies. This means your insulin and the supplies you need to safely administer your insulin will go through a company of your choice. The company must be certified to work with Medicare supplement programs. Once you are enrolled you will receive your monthly shipment to your door. You will need to ensure that your supplemental program covers mail programs, as some may not. Mail programs may also be listed with your supplemental provider to help you locate the right option for you. 

Part B Coverage

Part B coverage may also be a Medicare supplemental option for your insulin and supplies. This coverage will handle your blood sugar testing supplies. These supplies can include your monitor as well as your test strips, which can become costly without the proper coverage. Part B can also cover the lancets you need to take the blood testing. If your doctor prescribes glucose control options, they may also be covered. This means you should check with Part B as well as Part D to cover the full amount of your supplies. 

If you are concerned about the cost of your insulin or other medications, contact your Medicare supplement insurance provider. They can assist you with finding the right coverage for your needs. They can also assist you with finding state-based programs that will help reduce the cost of your insulin.