I think its super scary to purchase an insurance plan because its sooo complicated. I have a healthpartners plan. I would avoid United Health Group, if possible. But, I think you are far away from me so these might not even exist where you are. I don’t know if this is helpful.
I think you want to ask about the plans about:
1.) Maximum out of pocket per year for medication vs patient care (thats the maximum that you can be expected to pay for insulin or endo appointments). After you reach that, everything should be free.;
2.) The deductible (this is how much money you WILL have to pay every year, immediately, out of pocket, starting on January 1st. As a diabetic, you want this as low as possible. I have a super low deductible plan - $1,000. That is still a struggle every year and you are unlikely to find anything that good in this day and age. That qualifies as a ‘low deductible’ plan. Those dont really exist anymore. If you could get $2,000, I would call that very, very good still. But, you might not be able to come close to that.
3.) Do they cover your preferred insulin?
4.) How much do you pay for meds and office visits after you reach the deductible? So, after I pay them the $1,000 deductible (usually in Feb), I only have to pay 20% of the cost of insulin or an office visit. That is very affordable. They pay 80%.