So it looks like BCBS is $20 more a month than the cheapest option. They cover your CGM and won’t make you jump through hoops for that. They cover the pump you want, and won’t make you jump through hoops for that. In all likelihood the doctor you want also accepts BCBS? Most doctors do, as they seem to be one of the most widely accepted insurances.
The question is… how much is an hour of your time worth? If you’re having to call your insurance, suppliers, etc. and fight about stuff all the time to get what you want/need covered… is it worth that $20? Personally, my time and headaches aren’t worth saving $20 a month if I can actually afford it.
When you said that all the deductibles/copays/pharmacy coverage are the same - did you actually look at the pharmacy formulary closely? Meaning, not just what the tier breakdowns, but make sure that each of your medications are covered, and that they’re in the same tiers? Did you make sure that each company covers the same max number of diabetic test strips, etc.? Did you look at things like discounts for 90-days supplies?
Also, some “flavors” of BCBS have a program where you can get discounted gym membership. I wrote about that here: Health Insurance & Gym Discounts If you like to go to the gym, or want to join one, it may be worth looking into seeing if AETNA or CIGNA offer the same sort of program.
BTW, As far as suppliers go, my particular branch of BCBS is letting me use a company by the name of Pumps It, Inc. for my Dexcom supplies. They also deal with Tandem insulin pumps. I haven’t worked with Edgepark before, but so far I’m really liking Pumps It. They’re a smaller company without all the red tape and chaos of dealing with a company with 100s of employees. Granted, that does mean they don’t have 24/7 service, but I’m OK with that. They’re in Houston, and I’m in San Antonio, which means fast delivery without having to expedite shipping.