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Navigate insurance, find financial assistance, and manage the costs of living with Type 1 Diabetes.
Coverage through employer or individual plans. Usually covers insulin, supplies, and healthcare provider visits.
Government insurance for low-income families. Coverage varies significantly by state.
Federal insurance for seniors (65+) and some people with disabilities. Good coverage for T1D supplies.
You still have options. Manufacturer programs, nonprofits, and community health centers can help.
Prior authorizations for pumps and CGMs can be denied. Here's how to fight back:
Insurance claims can be wrongly denied. You have rights:
FDA approved generics exist for some insulins (e.g., insulin glargine). Ask your doctor if you can switch.
Generic Insulin List →Free discount pharmacy programs. Compare prices and save 30-80% on prescriptions, even with insurance.
GoodRx →Insulin & pump makers offer free or reduced-cost supplies if you're uninsured or underinsured.
Find Programs →Manufacturers offer copay assistance cards. Reduce copays to $0-35 for insulin & pumps.
Copay Cards List →If you can't afford insulin, regular (R) insulin from Walmart is cheap ($25 vial). Not ideal, but lifesaving.
Emergency Insulin Guide →Organizations like Insulin@25, JDRF, and others provide free insulin and supplies to those in need.
Assistance Programs →Type 1 Diabetes alone doesn't automatically qualify for benefits, but complications or inability to work might. You must apply and prove inability to work (adults) or meet disability criteria (children).
SSI/SSDI Application Guide →If you qualify for disability benefits, you may qualify for Medicaid as well. Coverage continues even if you start working (usually up to income limits).
Medicaid & Work →If you have a family member with T1D, consider opening a 529 plan or ABLE account to save for education or future care needs.
Experts recommend 3-6 months of expenses. With chronic illness, aim for the higher end. Covers deductibles, out-of-pocket maximums, lost income due to illness.
Emergency Fund Calculator →If T1D complications prevent you from working, disability insurance replaces part of your income. Some employers offer it; you can buy individual policies.
Disability Insurance Guide →Insurance and financial planning can be overwhelming. Our team and community are here to help. Ask a question, talk to someone who's been there, or connect with resources tailored to your situation.
