choosing or changing insulin
There are many considerations that come into play when choosing the right insulin for you, and one big one is cost.
Among Medicare beneficiaries, the average cost of out-of-pocket insulin was $54 per month in 2020, according to a report by the Kaiser Family Foundation, although some paid more than $100 per month. Without insurance, insulin can cost up to $1,000 per month.
Your preference for insulin to be given is also important. For example, according to GoodRx Health analysis, vials are less expensive than pens, which can cost up to 40% more.
“en general, [insulina] The one we use is the one your insurance pays for,” says Nathan.
A new law limits insulin copays
A new law limits insulin to $35 per month for Medicare Part D beneficiaries. However, not all plans will cover all insulin products within this $35 limit.
For a complete list of insulin drugs covered by each plan, see the Medicare Plan Finder and read more about a special enrollment period that lets beneficiaries switch plans through the end of 2023 if they can’t find the best deal. nomination of the year. Link to Dena’s Monday story: The $35 limit doesn’t apply to people who aren’t getting Medicare, although some states have insulin copay limits for people with other health plans.
If you change insurance plans — or your plan changes the drugs it covers — and the cost of your insulin is higher than it was before, ask your doctor about switching brands within the same class of insulin. talk about (eg acting fast to each other). In most cases, “they’re pretty interchangeable,” says Nathan, “but it’s important to see your doctor to be sure.” (Some types of insulin can be bought without a prescription.)
You may find yourself in a situation where your insurance plan covers the type of insulin you need, but not the delivery method you prefer. For example, associate professor of medicine in the department of diabetes, endocrinology and metabolism at Vanderbilt University Medical Center in Nashville, Dr. Shichun Bao says, not just the bottle and pen. For someone who has vision or dexterity problems and has difficulty getting insulin from a vial, “it’s not an option,” Bao says. Again, Bao recommends talking to your doctor, who can appeal to your insurance provider for coverage or help you find something that will work in the meantime.
,[Los pacientes] They have to contact their provider if there’s a problem with drug coverage,” he says, adding that people should never underestimate or skip doses. Research shows that because the cost of insulin is so high, many people Those who cannot afford it report that they do not take the full dose or the amount prescribed by their doctor.
Switching insulin between different categories — say, intermediate to long-acting — isn’t as easy as switching brands within the same category, Nathan cautions, and not without a doctor’s guidance and supervision. This should be done, especially if you are also taking other types of insulin during the day. “There’s nothing automatic about switching these insulins. People really need to talk to their doctors,” he says.
The Food and Drug Administration (FDA) has made recommendations for diabetics who may need to switch products in an emergency, including how to adjust dosage when only one type of long-acting insulin is available. Advice is included. You can find the guide on the FDA website.