Managing Diabetes, Insurance, and Appeals

 
Diabetes Insurance

The cost of diabetes, insurance coverage, and overall management care is rising every year, and paying for supplies can really take a toll on your wallet. Sometimes just having health insurance isn't enough to cover maintenance costs. With the cost of health insurance rising every day, devices and treatment methods are becoming more expensive and diabetes insurance denials more common. But we have some tips to help you appeal denials and get the most out of your health insurance buck.

Before You Apply For Approval:

 

  • Prior to applying for additional supplies, devices, or treatments, read through your insurance policy and check for any clauses about "pre-existing conditions," chronic illness care, "durable medical equipment" and "maintenance drugs."
  • Talk with your human resources representative at your company for guidance on how to apply for approval.
  • Contact your health insurance company and confirm the correct procedure for applying for coverage. Be sure to send your request in writing to the correct person or department.

If You Are Denied:

  • Call your health insurer and find out why your claim was denied. Take note of the date you called, the representative's name, and their comments.
  • If your denial letter gives vague reasons for denial, ask for further specifics in writing.
  • Ask for a copy of your health insurance company's Evidence of Coverage or Certificate of Coverage, which will outline the full benefits of your insurance plan.

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Last Modified Date: May 20, 2013

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by Nicole Purcell
I met a mother recently whose daughter was just recently diagnosed. They've been on the diabetes wagon for about 3 weeks. Mom seems alright, maybe a little overwhelmed and certainly looking tired. I had a meeting with her, set up by a local friend who reads my blog and knows my diabetes story. She thought I could be helpful in assisting with the navigation of diabetes territory. We sat at a table a local coffee shop. I sipped a water while mom got a black coffee. ...