Lost Insurance Coverage, Now Facing Out-of-Pocket Costs for Metformin and Insulin Therapy

[TayRusso84]

I have been taking metformin and Lantus insulin to help manage my type 2 diabetes. My current treatment regimen has been helping, but I am now considering GLP-1 therapy as my doctor has suggested it could provide additional benefits for my condition. However, I am concerned about potential insurance coverage issues based on what I've been hearing from others in similar situations.

I am worried about what might happen if my insurance company stops covering my current medications or any new treatments my doctor might prescribe. When I've tried to get information from my employer about medication coverage, they haven't been very helpful with specific details about what's covered long-term.
I'm feeling anxious because managing my diabetes requires consistent medication access, and the potential out-of-pocket costs for newer treatments like GLP-1 medications can be extremely high - I've heard they can cost over $1,000 per month without insurance coverage. This situation feels overwhelming financially, and I'm worried about having to choose between my health and my budget.
I am seeking advice from the community on managing these potential financial burdens. Specifically, I would appreciate information on:

Patient assistance programs for diabetes medications
Alternative insurance options or appeals processes
Resources for reducing medication costs
Others' experiences with similar situations and how they managed

What steps have others taken when faced with losing medication coverage? Any suggestions or shared experiences would be greatly appreciated.
Thank you all for your support.

 

[BooneDonk]

Keep reading here. Search tool is your friend. No one should pay $1,000/month for a GLP1. Ever.

Also, don’t bring up grammar. lol

 

[AndyPanda]

I have been taking metformin and Lantus insulin to help manage my type 2 diabetes. My current treatment regimen has been helping, but I am now considering GLP-1 therapy as my doctor has suggested it could provide additional benefits for my condition. However, I am concerned about potential insurance coverage issues based on what I've been hearing from others in similar situations.

I am worried about what might happen if my insurance company stops covering my current medications or any new treatments my doctor might prescribe. When I've tried to get information from my employer about medication coverage, they haven't been very helpful with specific details about what's covered long-term.
I'm feeling anxious because managing my diabetes requires consistent medication access, and the potential out-of-pocket costs for newer treatments like GLP-1 medications can be extremely high - I've heard they can cost over $1,000 per month without insurance coverage. This situation feels overwhelming financially, and I'm worried about having to choose between my health and my budget.
I am seeking advice from the community on managing these potential financial burdens. Specifically, I would appreciate information on:

Patient assistance programs for diabetes medications
Alternative insurance options or appeals processes
Resources for reducing medication costs
Others' experiences with similar situations and how they managed

What steps have others taken when faced with losing medication coverage? Any suggestions or shared experiences would be greatly appreciated.
Thank you all for your support.

You can get Metformin and insulin, as well as pretty much any other prescription drugs super cheap from India. As long as you are comfortable with Watsapp and a 3P payment app like Wise or Remitly. For the GLPs, you will not be able to beat China prices. Shipping is long from both places.

 

[indolent]

As noted, search this site a really lot for purchases of "kits" (box of 10 vials, each of the stated mg dose, all for the sum total price mentioned) from independent online vendors. Use the generic name of the injectable you're taking when searching.

Also note that you'll be buying a powdered form, and will need to separately acquire a very specific specialized anti-microbial form of water, and a couple of types of syringes. You'll need to understand the math (or really just the online calculator; see my signature). And will most likely have to learn how to use crypto to make your purchase.