Demand #Coverage2Control for Type 1 Diabetes

Tell your insurance company to provide coverage that works.

More than 50,000 people have signed the #Coverage2Control petition, telling insurance companies to provide the coverage that people with type 1 diabetes (T1D) need. JDRF delivered this message directly to the CEOs of each of the 25 largest insurance companies in the United States.

Now, you can send your own letter to your insurance company, demanding #Coverage2Control.

Insurance companies should hear from you — their members directly affected by their decisions — on why affordability, choice and coverage are vital for the T1D community, and realistic and practical ways they can help.medica

It takes less than 60 seconds.

Here’s how to do it in three, easy steps:

  1. Below is an alphabetical list of the 25 largest U.S. insurance companies. Click on the link corresponding to your insurer, and you’ll find a pre-written letter customized to address each #Coverage2Control issue.
  2. Add a personal comment if you wish, and within seconds, send your insurance company an email.
  3. Then, share your support on social media by clicking on the Facebook or Twitter icons to generate sample posts.

Is your insurance company offering #Coverage2Control?

The below table depicts where each of the 25 largest U.S. insurance companies stand on JDRF’s three #Coverage2Control demands for affordability, choice, and coverage. Many insurers offer a number of policies that help people with type 1 diabetes; others can do more. JDRF is actively engaging and has attempted to contact every insurance company on this list to better understand their policies and urge them to provide the coverage that people with T1D need.

Does your insurance company have a policy that hurts, rather than helps, people with T1D? Click their name in the table and send them a letter today!

KEY

Green = Policy offers #Coverage2Control (but there’s still more they could do!)*
Red = Policy does not offer #Coverage2Control
Yellow = Current policy is not clear

Insurance company Affordability:
Does it include insulin on the preventive medicine list?
Choice:
Does it engage in exclusive contracts with medical device providers?
Coverage:
Does it cover artificial pancreas systems?
Aetna check check check
Anthem check check check
Blue Cross and Blue Shield of Alabama check check check
Blue Cross and Blue Shield of Florida check check check
Blue Cross and Blue Shield of Massachusetts check check check
Blue Cross and Blue Shield of Michigan clear check check
Blue Cross and Blue Shield of Minnesota check check check
Blue Cross and Blue Shield of North Carolina check check check
Blue Cross and Blue Shield of Tennessee
check check check
Blue Cross and Blue Shield of Texas check check check
Blue Shield of California clear check check
Cambia Health Solutions clear help_outline help_outline
CareFirst BlueCross BlueShield clear check help_outline
Cigna clear check check
EmblemHealth** clear check help_outline
Health Care Service Corporation check check check
Highmark clear check check
Horizon Blue Cross Blue Shield clear check check
Humana check check check
Independence Blue Cross check help_outline check
Kaiser Permanente check check check
Medica Health Plans check check check
Premera Blue Cross clear help_outline check
UnitedHealthcare clear clear check
Wellmark Blue Cross Blue Shield clear help_outline help_outline

 

Don’t see your insurance company listed?

You can also download a template letter that you can customize and send to your specific insurer. On most insurance company websites, you can find a ‘contact us’ page or a similar page with directions on where to send your letter.


*While insurance companies offering #Coverage2Control include insulin on their preventive medicine list, insurers can take at least two additional steps to help keep out-of-pocket costs for insulin even more predictable and reasonable. These include:

  • Moving insulin and diabetes management tools to tier 1 or tier 2 benefit levels
  • Providing cost-sharing for insulin and diabetes management tools as fixed dollar “co-payments” rather than a percentage “co-insurance.”

For example, Blue Cross Blue Shield Florida has taken significant positive steps on these policies. They offer zero cost-sharing for insulin pumps and pump supplies for those under age 65 and their brand drugs for diabetics are half the cost of other brands in the same tier of their formulary. They also make sure that insulin is on their preventive medicine list in all individual and small group plans. JDRF is interested to hear from other insurance companies on their policies around insulin affordability — please contact us.

**Emblem considers upgrades to the 670G artificial pancreas system on a case-by-case basis.

Note: The information in the above table reflects publicly available documents or responses to emailed requests for information from each health insurance company. Each company offers a number of health plans, some of which may have different coverage policies than are shown here.

For insurance companies: Any insurance company who would like to contact JDRF about its health plan offerings or the information in the chart above, please contact Jesse Bushman, JDRF’s Senior Director of Healthy Policy.