So as a disclaimer I am not looking for hard and fast rules, but mearly what the experience has been for others.
So this year is my first year dealing with health insurance more than just a cold because my 13 year old was diagnosed on Valentine’s Day as a type 1. Although I have learned a ton about deductibles, co-insurance, DME vs Pharmacy I have not yet encountered the end of a year. So working with my DME supplier they had told me to place an order for Dexcom supplies in October for 1 month, an order in November for 1 month and then a 90 day order in December since DME is 100% covered at this point and will be 100% OOP in January until I reach the high deductible again. Now we are working with Omnipod (we are just switching) and when I talked to them about this same thing the lady handling our account said that we can do that, however October will be covered, November will be covered, but only 1/3 of the December order (the December portion) will be covered and the other two months will be OOP. Does anyone else have any knowledge on this situation? I am just trying to figure out cash flow for the next few months.