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Research shows that Americans with diabetes spend 2.3 times more on healthcare than those without diabetes. There are many reasons for that, including increased out-of-pocket costs that leave some struggling to afford the insulin they need to survive.
Fortunately there are options, regardless of insurance status, that can help people with diabetes lower out-of-pocket costs for insulin. If you have commercial insurance or no insurance at all, you likely qualify for a discount program co-pay card. If you are a senior using Medicare, you can access lower-cost insulin by selecting a Part D plan participating in a new government initiative called the Senior Savings Model before open enrollment ends on December 7.
Here are four different tips to help you understand what solutions make the most sense for you.
If you’re over 65, consider Medicare Part D
Choosing the right Medicare plan is critical because there are barriers for people who use government insurance to using company affordability programs. If you’re signing up for Medicare Part D, consider enrolling in a plan participating in the Senior Savings Model. Through one of these plans, you can purchase your monthly prescription of insulin for just $35 a month.
Not sure where to start for open enrollment? Insulinaffordability.com has several resources including a plan finder tool and a Medicare checklist to help select a plan that includes Lilly insulin for $35 a month.
Look into discount cards and affordability programs
For those below the age of 65, solutions such as the Lilly Insulin Value Program can help you get Lilly insulin for $35 a month whether you have insurance or not. All you need to do is download a co-pay card and present it when you pick up your prescription. If you’ve already been using a co-pay card this year, be sure to download a new one by January 1 to continue saving in 2021.
The Lilly Insulin Value Program is just one of several offerings in Lilly’s suite of solutions found through the Lilly Diabetes Solution Center – a helpline that provides people with information about insulin affordability that meet their individual needs. Lilly has also partnered with Aunt Bertha – an online social care network that connects people with free or reduced-cost services in their communities – to provide additional cost-savings resources to those who need it.
Speak with an expert about affordability solutions
It can be tough to identify exact out-of-pocket costs since this may vary based on individual insurance circumstances. To find answers to questions about affordability options and share information with others who need it, insulinaffordability.com is a good place to start.
Another resource to help you decide which option makes the most sense for you is the Lilly Diabetes Solution Center. Their experts have experience working in healthcare and can effectively answer your questions, help you navigate various affordability solutions, or guide you in the right direction.
Ask about samples or free clinics
Not every clinic or medical provider has samples, but some do—and utilizing them for insulin can bridge coverage in times of need. If you use a Lilly insulin, Solution Center representatives can also direct you to clinics that have Lilly donated insulin.
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