Type 1 diabetic with not the best employer offered health plans. Need help.

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So my insurance through my job is less than ideal. Basically you have:

$2000 deductible, $6000 oop max, 70/30 coinsurance after deductible $4000 deductible, $6000 oop max, 70/30 coinsurance after deductible $2800 deductible, $6000 oop max, 80/20 coninsurance after deductible with an HSA option. $5000 deductible, $5000 oop max, 100% after deductible with an HSA option.

Obviously the lower deductible plans cost more per paycheck.

As a type 1 diabetic, I’m looking to get a new insulin pump once mine is out of warranty. Called my insurance and they said “doesn’t matter about warranty, you pay 100% of the cost unless a deductible has been met.” Cool, thanks huge help guys. So my questions are:

  1. I was told in the state of MD diabetic supplies are to be covered at full cost and not deductible. Don’t know the truth behind this but a coworker told me this and his son is a diabetic. When I asked about it they basically told me no.

  2. What are my options here? The pump manufacturer said that’s extremely uncommon for an insurance company to not give anything towards a new pump if yours is out of warranty.

  3. If all else fails, which plan should I go with considering this new pump will cost $4450? I’m thinking the 5k deductible because then all my other costs for the year will be paid 100% as this will almost take me to my oop max.

submitted by /u/PoppaSquatt2010
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So my insurance through my job is less than ideal. Basically you have: $2000 deductible, $6000 oop max, 70/30 coinsurance after deductible $4000 deductible, $6000 oop max, 70/30 coinsurance after deductible $2800 deductible, $6000 oop max, 80/20 coninsurance after deductible with an HSA option. $5000 deductible, $5000 oop max, 100% after deductible with an HSA option. Obviously the lower deductible plans cost more per paycheck. As a type 1 diabetic, I’m looking to get a new insulin pump once mine is out of warranty. Called my insurance and they said “doesn’t matter about warranty, you pay 100% of the cost unless a deductible has been met.” Cool, thanks huge help guys. So my questions are:
I was told in the state of MD diabetic supplies are to be covered at full cost and not deductible. Don’t know the truth behind this but a coworker told me this and his son is a diabetic. When I asked about it they basically told me no. What are my options here? The pump manufacturer said that’s extremely uncommon for an insurance company to not give anything towards a new pump if yours is out of warranty. If all else fails, which plan should I go with considering this new pump will cost $4450? I’m thinking the 5k deductible because then all my other costs for the year will be paid 100% as this will almost take me to my oop max.

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