Managing Type 2 Diabetes in California

Melier Padilla
Sep 25
2 min read

Updated: Sep 30

Helping Californians Stay Healthy and Save Money

Website: www.onlyins.com Tel: 818‑780‑3004 | 888‑780‑8969

Diabetes requires regular checkups, labs, and daily medication. Here’s a simple comparison of yearly costs for someone with basic Type 2 diabetes (oral medicine, routine visits, A1C labs, glucose monitoring).

Cost of Care: Silver 87 Plan vs. No Insurance

Care Item	With Silver 87 Plan (Covered California)	No Insurance (Pay Yourself)
4 doctor visits	$100 total ($25 each copay)	$520 total (~$130 each)
3 lab tests (A1C + cholesterol, etc.)	$60 total (~$20 each)	$150 total (~$50 each)
Oral diabetes medicine (e.g., metformin, 1 year)	$60 total (~$5/month)	$120 total (~$10/month)
Glucometer (one time)	$40	$40
Test strips & lancets (1 year)	$120 total (~$10/month)	$300 total (~$25/month)
Estimated yearly total	$380 (plus monthly premium)	$1,130

What This Means for You

With insurance: You pay lower visit and lab fees, cheaper medicines, and much less for supplies. Your premium is extra, but insurance protects you from large surprise bills.
Without insurance: Routine care costs add up quickly—and if complications happen (ER, hospital), bills can reach thousands of dollars out of pocket.

Key Takeaway

Choosing a Silver 87 plan through Covered California helps keep diabetes care affordable and protects you from unexpected big bills.

We Can Help! At Only Insurance Services, Inc., we’ll guide you step by step to find the right plan for you and your family.

Controlando la Diabetes Tipo 2 en California

La diabetes requiere chequeos regulares, análisis de laboratorio y medicamentos diarios. Aquí mostramos una comparación sencilla de los costos anuales para una persona con diabetes tipo 2 básica (medicina oral, visitas rutinarias, análisis de A1C, monitoreo de glucosa).

Costo de Atención: Plan Silver 87 vs. Sin Seguro

Servicio	Con Plan Silver 87 (Covered California)	Sin Seguro (Pago Directo)
4 visitas al doctor	$100 total ($25 cada una)	$520 total (~$130 cada una)
3 análisis de laboratorio (A1C + colesterol, etc.)	$60 total (~$20 cada uno)	$150 total (~$50 cada uno)
Medicina oral (ej. metformina, 1 año)	$60 total (~$5/mes)	$120 total (~$10/mes)
Glucómetro (único)	$40	$40
Tiras reactivas y lancetas (1 año)	$120 total (~$10/mes)	$300 total (~$25/mes)
Total estimado por año	$380 (más la prima mensual)	$1,130

¿Qué Significa Para Usted?

Con seguro: Pagará menos por visitas, laboratorios, medicinas y suministros. Además, la prima le protege contra cuentas médicas grandes.
Sin seguro: Los costos rutinarios son más altos y si ocurre una complicación (emergencia, hospitalización), las cuentas pueden llegar a miles de dólares.

Mensaje Clave

Elegir un Plan Silver 87 en Covered California le ayuda a mantener el cuidado de la diabetes accesible y lo protege de facturas médicas inesperadas.

¡Estamos Aquí Para Ayudarle! En Only Insurance Services, Inc., le guiaremos paso a paso para encontrar el plan correcto para usted y su familia.

Disclaimer

This newsletter is for educational purposes only. Costs are estimates and may vary by provider, location, and plan. Always confirm with your health plan or doctor.