Health insurance for a type 1 diabetic needing insulin?

I've never lived in Minnesota. But, most places I've lived, you get a reasonable "negotiated" price for drugs from your insurance, even without meeting your deductible. (Drugs are treated differently than doctors visits.)

Call the phone number on your insurance card, and ask. I think the news will be good.

wow! you got the high deductible! That includes doctor visits, labs, etc, so it won't be long before you have the deductible taken care of. But the good news is that they can and do spread that deductible out over about 6 months!! So it doesn't bite as much.

Note: vial insulin and syringes are less expensive than the quick pens and pen needles! Less convenient, but about half the expense!

You need to contact the insurance company to ask. I have a plan with a $600 deductible, but prescriptions were not included, I just paid the copay. The deductible included hospitalizations or doctors visits and procedures.

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$2500 is a giant amount, but you only have to pay it once.

AFTER you reach that limit, the Co=-pays kick in. When io had BCBS, I paid a $40 Co-Pay for every prescription, and tehy paid the rest.