I have Kaiser. They cover my pump, pump supplies, and test strips 100%, and I use a lot of test strips (sometimes >10 per day). Despite my initial cynicism, I have been pleased. My endo is excellent (was one of the leaders at Santa Clara TCOYD Conf) and despite the fact that Humalog is not on the formulary (as well as Symlin), they have covered both with a $20 copay. I saw the same CDE for 5 years until she just recently retired. I am sure there are many negative things to say about many insurances, including Kaiser, but my experience with Kaiser has been surprisingly good. You are restricted to certain doctors, and I’m not crazy about my primary care physician, but she gets the job done. Lab tests are free and the pharmacy system is well-organized and easy to manage.
Plus, in interacting with Kaiser from a provider stand-point (I work at another medical institution), they are actually one of the very few insurances that pays when they say they will pay.
Having a centralized system can have its disadvantages but for me, at my stage in life (no complications), I am happy with Kaiser. I do wish I could seek coverage for outside physical therapy, because I wasn’t too happy with it when I was injured several years back. Most of the people I have met who work there are as dedicated and competent as anyone else, I would guess.
Just my 2 cents! Maybe my coverage is better than normal. I don’t know. I haven’t seen SICKO.