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State-by-State Guide

Most states have laws requiring health insurance coverage of diabetes services or supplies, although specific requirements vary by state. Many states require coverage of diabetes supplies, however some states are more specific than others about which supplies must be covered.

For information on the summary of diabetes coverage requirements in state laws or regulations, click on your state below. All of the following information is from United States Government Accountability Office, Managing Diabetes - Health Plan Coverage of Services and Supplies, GAO-05-210, February 2005.

1. We did not include states with coverage requirements related to nutrition that did not refer specifically to medical nutrition therapy. As a result, Nevada, Tennessee, Texas, and West Virginia—which required coverage of nutrition counseling—and New Jersey and New York—which required education that includes information on proper diet—are omitted here. We also omitted Florida from this column, although the state required coverage of "outpatient self—management training and educational services used to treat diabetes" and further stated that any policy "may require that nutrition counseling be provided by a licensed dietician."
2. Alaska required coverage of education, medical nutrition therapy, and supplies only when coverage was otherwise provided for pharmacy services.
3. Arizona and Wisconsin required coverage of equipment and supplies only when a policy covered expenses incurred for the treatment of diabetes.
4. Delaware required coverage of supplies only when the contract or policy provided prescription drug coverage.
5. Illinois required certain supplies—blood glucose monitors, cartridges, and lancets and lancing devices—to be covered only if the policy provided a durable medical equipment benefit. coverage of other supplies—insulin, syringes and needles, test strips, oral agents to control blood sugar, and glucagon emergency kits—was required only if the policy provided a drug benefit.
6. Kansas required coverage of insulin only if coverage was otherwise provided for prescription drugs.
7. Michigan required expense—incurred policies and HMO contracts to cover insulin and other medications to treat diabetes only if they otherwise provided pharmaceutical coverage.
8. In New Hampshire, insurers were required to cover medically appropriate or necessary equipment only if they covered durable medical equipment. Insurers were required to cover insulin, oral agents, and equipment only if they provided a prescription rider.
9. In Washington, coverage for equipment and supplies was required only when the contract or plan included pharmacy services.
10. Wisconsin required coverage of self-management education programs only if the policy covered expenses for the treatment of diabetes.
11. Requirements in Illinois, Montana, and Oregon applied only to group policies.
12. Mississippi and Missouri required insurance policies to provide diabetes coverage only at the option of purchasers, a requirement referred to as a "mandated offering."