Alabama & Indiana Health Insurance

According to  the American Diabetes Association the cost of diagnosed diabetes was $327 billion in 2017.  Individuals that are diabetic on average have medical expenditures about 2.3 times greater than the general population.  With that in mind I thought it would be a good idea to look at ways to possibly reduce some of these cost.  The following are a few ideas to help you with the costs of being diabetic.

Apply for a Patient Assistance Program (PAP) for your medication.  PAPs are run by pharmaceutical companies and give free or medicines which are reduced in cost to those who qualify.  Eligibility and application requirements change  from program to program, often based on earnings and if you are insured.  If you’re a member of a service like MedCard you can get help with applying for these programs.  To find out if there’s a PAP available for your medicine, click on the member benefit access tab on and scroll down to the PAP info.  Click the correct PDF file for either the Brand Name Drugs or Generic Name Drugs and look for your medicine.  Next complete the online form with your information and list the drugs you confirmed were on the list.  Then watch your email for further instructions.  

Utilize the free Discount Card to cut as much as 90% off the retail price of your prescription medications.  Simply show your card (or a copy on your phone) to your pharmacist and ask them to apply the discount to your medications.  In situations where you have insurance, show both the discount card and your insurance card then ask the pharmacy tech to see which card offers you the lower cost.  For Medicare beneficiaries who will enter the donut hole you will want to take into consideration whether using a discount card is more beneficial than using your Medicare part D coverage.

Find a Diagnosis-Based Assistance Program which will assist with the costs including non-medication associated costs.  A great resource for finding these programs is  On the website click on the diagnoses list, then lookup Diabetes to find out about all of  the nationwide, regional and programs that can assist with expenses.
Visit and see if there are any coupons or rebates for your drug.  GoodRx is a free service and you can often find coupons that you wouldn’t have access to using a discount or insurance card.

Several programs and resources can help the low-income and uninsured these are just some.  For those that have Medicare coverage there are also special needs plans available in some areas that focus on diabetes patients.  In some cases these plans provide access to lower cost diabetic tools and medications.  If you are not sure if your county offers a plan like this contact your health insurance agent or  


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