Management and treatment of diabetes can be very expensive.

Medications and supplies are an immediately noticeable expense, while other costs include doctor’s appointments, screening tests and the treatment of short or long-term complications.

Having diabetes makes health insurance an essential consideration, which can assist with medical care and other costs associated with diabetes that can come without warning.

According to the American Diabetes Association, the average yearly cost of health care for someone with diabetes is $13,741 – double the cost of someone without diabetes.

Many people with type 1 or type 2 diabetes need help in paying for health insurance, but there are several options for people struggling to afford their medication.

The Affordable Care Act

Health insurance has been problematic to obtain for people with diabetes in recent years, but the Affordable Care Act, passed in 2010, has made coverage more affordable.

Under the act, insurers cannot deny coverage to people with pre-existing conditions such as diabetes, or charge them higher premiums. Most people are required to have health insurance under the act, or pay a fee (of which some people may be exempt from).

Access to health insurance has been increased due to the ACA, with individuals and families affected by diabetes presented with greater access and insurance protections for their medication.

Federal health programs

Despite its name, the ACA is not affordable for everyone, and many people with diabetes need assistance in paying for health insurance.

This is why the government offers a variety of federal health programs that can help with health care expenses.

Among the government health insurance schemes are: Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), TRICARE, and veterans’ health care programs.

Medicare is one particular program that helps pay for diabetes services, supplies and equipment, including foot and eye exams, flu shots and diabetes self-management training.

Private health insurance

There are two types of private health insurance; group health insurance and individual health insurance.

Group health insurance can be purchased by people eligible through their employer, union or those of another family member’s. Individuals, meanwhile, can buy health insurance through a Health Insurance Marketplace in every American state.

Some people may qualify for assistance in paying their premiums, and other costs, for health insurance plans purchased in the Marketplace, if they meet certain income requirements.

Saving money on insurance

If you have problems paying for your diabetes medication, you should talk with your health care provider, as less expensive generic medications are available.

Cheaper alternatives can be provided if you are struggling financially, while health care providers can also provide free samples and refer people to local programs to assist in paying for their medical supplies.

These programs are often run by pharmaceutical companies, with each program having specific criteria for an individual to be accepted for financial assistance.