Looking to change insurance.
I’m a 36 yo male with type 1 diabetes and diabetic retinopathy. Currently am a federal employee with fep blue basic insurance.
I’m on a trial for omnipod right now that seems to make things much easier over all most of the time. But the pods cost me 265 a month after a copay card. My doctor attempted the tier exception with BCBS and they denied it. My issue comes in that right now I have a large portion of my eye care and any surgeries covered with a standard copay amount with no deductible. My maximum out of pocket cost is 7500/year.
If I change to standard BCBS, I could get the pos for 150. But I would lost the set cost for surgeries on my eyes like laser and injections. So they are picking and choosing what part of the diabetes care they provide and cover.
This is just a huge joke as far as I’m concerned because on one hand. They want you to keep your numbers in check and this and that. But if things are difficult they don’t want to cover both sides. Even though the first causes the second. The recent rep I talked to from BCBS basically laughed when I said they’re should be a tier you pay for total care of diabetes, or any disease for that matter. But then they wouldn’t be able to rob us near as much.
Does anyone have any thought direction or otherwise on better diabetic care, programs, grants, literally anything will help.