If you live with diabetes, you probably know this feeling all too well: January hits, insurance resets, deductibles start over, and suddenly supplies that were affordable in December feel way more expensive in January.
The good news is that a little planning before the end of the year can save you money, stress, and last-minute scrambling. This guide walks through practical steps you can take before your insurance resets so you can start the new year feeling prepared, not panicked.
Why the Insurance Reset Matters
For many insurance plans, January 1 means:
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Deductibles reset
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Out-of-pocket maximums reset
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Coverage tiers may change
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Prior authorizations may expire
If you use insulin, CGMs, pump supplies, adhesive patches, or other diabetes essentials, these resets can impact both cost and access. Taking action in December can help smooth that transition.
1. Refill and Reorder Before December 31
If your plan allows it, refill prescriptions and reorder supplies before the end of the year, especially if you’ve already met your deductible.
This can include:
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Insulin (vials, pens, cartridges)
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CGM sensors and transmitters
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Pump supplies (pods, infusion sets, reservoirs)
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Test strips, lancets, and backup meters
Even refilling just one extra month of supplies can make January feel much easier while you wait for new deductibles to be met.
2. Use Remaining FSA or HSA Funds
If you have an FSA (Flexible Spending Account) or HSA (Health Savings Account), now is the time to check your balance.
Many diabetes essentials are eligible expenses, including:
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Adhesive patches like Skin Grip
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Skin prep wipes and adhesive removers
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CGM and pump accessories
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Glucose tabs and low supplies
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Medical storage and travel cases
FSA funds often expire at the end of the year (depending on your plan), so using them now prevents money from going to waste.
3. Check Prior Authorizations and Coverage Dates
Some prescriptions and devices require prior authorization that may expire at the end of the year.
Before January:
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Confirm whether your CGM, pump, or insulin authorization carries into the new year
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Ask your pharmacy or supplier if anything needs to be renewed
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Contact your provider early if paperwork is required
Starting this process in December helps avoid delays when offices reopen after the holidays.
4. Review Your Plan for the New Year
If you’re changing insurance plans or employers, take time to review what’s covered starting in January.
Look for:
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Preferred brands for insulin, CGMs, or pump supplies
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Pharmacy vs. durable medical equipment (DME) rules
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Changes to copays or coinsurance
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New requirements for mail-order pharmacies
Even small changes can affect how and where you order supplies, so knowing ahead of time reduces surprises.
5. Build a January Buffer
January can be unpredictable – insurance portals lag, pharmacies run behind, and customer service lines are busy.
Before the year ends, aim to:
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Have at least one extra sensor or pod
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Keep backup low snacks stocked
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Carry extra adhesive patches in case devices need reinforcement
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Store supplies in more than one place (home, bag, car)
This buffer gives you breathing room if something is delayed.
6. Save Important Information
Take five minutes to save or update:
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Photos of your insurance card (front and back)
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A list of prescriptions and device model numbers
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Pharmacy and supplier phone numbers
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Provider contact info
Keeping this info in your phone or email makes it easier to handle issues quickly if something comes up in January.
7. Be Kind to Yourself
Insurance is complicated and diabetes is demanding. The combination can feel overwhelming, especially during the holidays.
You don’t have to do everything perfectly. Even completing one or two steps from this list can make a meaningful difference. Preparation isn’t about control — it’s about creating ease where you can.
Final Thoughts
Insurance resets are frustrating, but they don’t have to derail your routine. A little planning now can help you start the new year with supplies on hand, fewer phone calls, and more peace of mind.
Think of this as a form of self-care — one that supports your health, your time, and your energy in the year ahead.
