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Insurance and college

Discussion in 'Diabetes and College' started by katerinas, Mar 6, 2018.

  1. katerinas

    katerinas Approved members

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    As we leave in Europe and we don;t have an Insurance in the US. The university my son is going to go asks that we get the Insurance that they have or something similar. Any suggestions? Also what about diabetes supplies? Are they covered?
     
  2. MomofSweetOne

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    You will need to ask about the specific plan and coverages, as every plan is different. Also, you'll need to ask specific questions about prescriptions and durable medical equipment or med/surgical supplies. For us, insulin is prescription, so we pay a copay every three months. Pump supplies for Medtronic, Tandem, etc. have been through med/surgical supplies, whereas Omnipod can be a prescription. Dexcom is med/surgical supply, I believe, though I might be able to get it as a prescription? Not sure on that one. I like getting them directly from Dexcom rather than a 3rd party supplier. Our insurance and prescription coverage are by two different groups, both contracted by the employer.

    School insurance may be low coverage for diabetes?

    Can he still get supplies covered in Europe while he's here in the US? That might also save you money if he could bring supplies with him?
     
  3. katerinas

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    Thanks for the reply. I think he can get supplies from here but it will be quite difficult as you get them every month. Also here we don;t get any coverage from dexcom and I was hoping that he would get some in the US if we are paying for Insurance.
     
  4. MomofSweetOne

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    It's just so hard to say; you really have to ask specifics about the plan and even then, the company may expect hoops to be jumped through: logs of logs to prove the Dexcom is necessary, etc. T1Ds here going on Medicare are being required to have c-peptides done to prove they are T1D despite being insulin-dependent for years. It's crazy.

    Each plan also has different deductibles, copays, and coinsurance. For us, our deductible is $300/person and then we pay $20 at every visit plus 10%, but specialists like the endo are $40/visit plus 10%. My sister's plan is $1500 per person, and after that, they pay nothing. Some people have much higher deductibles than either of those.

    Insurance companies also make "deals" so the list price is not necessarily what we pay 10% of. And they have preferred brands of pumps, insulins, etc. that they require. Our prescription company only covers Humalog, but my daughter reacts to it, so every year our endo has to write a "letter of medical necessity" to get it covered....and then they charge us $80 rather than the normal $50 copay.
     
  5. katerinas

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    It really sounds complicated! I will try to have most of what he needs covered from home, but still... Also from what I understand it is obligatory to pay for Health Insurance. I am thinking of Medicare because of dexcom.
     
  6. Ali

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    Medicare is a government program for those over 65 and some disability classes. I am assuming you are not US citizens so you would not qualify no matter what the disability. Call and talk to the school, if it is not covering what you need then you either need to ship your supplies or buy an independent plan to work along with his school plan. Hope some other insurance experts speak up.
     
  7. katerinas

    katerinas Approved members

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    Thank you! Trying to figure out how all this Works. It seems so different and compicated!!
     

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