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by brayhite 662 days ago
Surely you’re not a US resident, because “covered by insurance” is definitely not a good enough reason on its own to not consider this here. 30 days of CGM device coverage from our insurance costs more than this.

That said, one actually legitimate reason a T1D may be better off with their prescribed device is if Dexcom doesn’t readily replace the OTC versions the way they do for prescriptions.

This happens way more often than I imagine most who are unfamiliar would think. Anecdotal from an internet stranger, but just last night, we had a third G7 in a row fail well before the 10 day timeline. And speaking of insurance..they wouldn’t cover the early refill we tried to get a week ago when we hadn’t yet received replacements from Dexcom.

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Each insurance is different, of course, and it depends on the patient. It also varies if you’re type 1 or 2, and if you’re prescribed insulin. I’m not either, so I don’t know for sure. The American healthcare system (which I am part of) is pretty opaque.

That said, I’ve heard people quote an insurance price of about $100/mo for a g7 (which is the same as this), and Medicare should cover it outright. I’ve seen companies sells the G7 for ~$200/mo if you don’t have insurance, but without a prescription I’ve never actually gone and bought one so I don’t know if I’m missing something.

The opaqueness is exactly why

> If you have T1d, you've been able to get the prescription-variant of this product for years with insurance, so there really is no reason to get this unless you're un-insured.

is dishonest at face value.

The OOP cost can wildly vary per insurer. As important is whether or not the insurance company covers it when you need it.

Typically insurance only covers 30 days at a time. That means on day 29, insurance will refuse to cover the cost at the pharmacy.

Real world schedules, flukey tech and devices, fluctuating pharmacy inventory, and occasionally needing an endo to confirm that you still aren’t the first person in human history to reverse Type 1 diabetes, etc. make “this was covered by prescription insurance” a flimsy-at-best argument against T1Ds considering this.