A checklist to use when your insurance changes, so your insulin, medications, CGM, pump and supplies are not interrupted. Bring it to appointments and use it when you call your plan.
Before you start
Have your current medication and device list, your insurance card, and any recent denial or plan letters. Ask about your exact product and plan, not just the type. A plan may cover a CGM, insulin or a pump, but not the specific one you use now.
1
Check what your new plan covers
Ask your plan about each of these. Tick each one once you have confirmed it.
Insulin and medications: your exact product is covered; what tier, deductible and copay apply; whether there are quantity limits, step therapy or prior authorization; and that you have a current glucagon prescription if you use insulin.
CGM: which brand is covered; whether it is under the pharmacy or durable medical equipment (DME) benefit; that the receiver, sensors and transmitter are included; and which supplier you must use.
Insulin delivery device (pump, patch, pen): the device and its supplies are covered, including infusion sets, cartridges or pods; and any warranty or replacement limits.
Your care team and suppliers: your clinician, pharmacy, DME supplier, lab and education services are in network.
Your yearly cost, not just the premium: the medical and drug deductibles, copays, coinsurance and out-of-pocket maximum.
Existing approvals: whether your prescriptions and prior authorizations must be resubmitted when the new coverage starts.
2
Steps to protect your supply
When you call the plan
Give the exact product name and benefit type when you ask.
Write down who you spoke to, the date, the reference number and the answer you got (use the call log below).
Before your coverage changes
Confirm the approved pharmacy or DME supplier before you order.
Keep taking your insulin and using your devices as prescribed. Do not stop or change them without talking to your care team first.
3
Call log
Fill this in each time you call your plan.
4
Notes & questions
Use this space for questions to ask, answers to remember, and anything to follow up on.
Scope: This checklist supports informed questions and continuity of care. It does not determine eligibility, guarantee coverage or replace official plan documents. Benefits and requirements vary by plan and may change. Confirm directly with your health plan.