Understanding

health insurance
Your reference
guide
 What’s inside
health insurance
About 4

Why is it important to know about health insurance? 5

What is health insurance? 7
What services might health insurance cover? 8
This booklet belongs to:
What are the different ways to get health insurance? 10
Name
Why is it important to review your plan regularly? 12
Address
City State ZIP Understanding what your plan might cover 13
Phone Email Does health insurance cover prescription medicines? 22
If this booklet is found, please contact the owner Are there programs to help with the cost of
listed above. Thank you! prescription medicines? 24
Understanding Medicare 26

Choosing
a plan for you 30
Tips to make your health insurance plan work for you 32
What questions should you ask? 34
This booklet does not replace the advice of your diabetes
care team. Be sure to consult your diabetes care team
regarding your individual diabetes care plan.
Worksheet 40

Glossary
51
Notes 63
To learn more... 64

2 3
 Why is it important to know
about health insurance?

Taking care of your health means many things.

It means working with your diabetes care team and
other health care providers
It means taking your medicines as prescribed
It also means learning about health insurance—

What you need

about your health insurance options if you are not yet
insured, and about your health insurance coverage if
you are insured

to know about Health insurance is important for everyone. If you have diabetes,
an insurance plan may help provide coverage for what you need
to manage your diabetes, including medical care, medicines,

health insurance and supplies, such as test strips, meters, and insulin.

There are both private and public health insurance plans, with
different plans offering different benefits. Also, everyone’s
health care needs are different. That is why choosing a health
insurance plan that is right for you, and understanding how it
works, may seem confusing.

4 5
 What is health insurance?

The goals of this booklet are to: Health insurance is a contract between you and your health
E xplain the basics of health insurance and how insurer to cover your medical expenses. Your health insurance
it works company helps pay for some or all of your medical care,
depending on the type of insurance plan you have. Talk with
P oint out some things to look for in a health
your diabetes care team to find out what parts of your care are
insurance plan
covered by your plan.
S uggest what things to consider and what questions
to ask when choosing a health insurance plan
Inform you about programs that are available to
help eligible people pay for prescription medicines
Quick tip
P rovide resources to help you learn more about
health insurance It is important for you to know which medical costs a plan
You will find a list of terms at the back of this booklet. If you will cover and which medical costs it will not.
come across words that you’re not sure about, check the list
for definitions. JASON M. AND ZOLIA L.
Zolia’s husband Jason has type 2 diabetes

Something to make it easier

Some of these words can be hard to understand! If you come

across a term you’re not sure about, check the glossary at the
back of the book. All of the terms printed in green in this book
are defined there.

6 7
What services might
health insurance cover?

Depending on your plan, health insurance might cover: Maternity care Care in a skilled
nursing facility
Visits to a health care provider’s office or clinic Home health care
Chiropractic care
P reventive care, such as checkups, screening tests, Infertility treatment
and vaccines Wellness programs
Hospice care
Hospital outpatient care

X-rays and imaging tests

 ospital stays (depending on whether the hospital

H
is in network)

Laboratory tests

P rescription medicines (level of coverage will depend on Quick tip

whether the medicine is on the list of approved medicines)

Mental and behavioral health treatment People with diabetes need

more than just coverage
 iabetes supplies, such as test strips, lancets, and
D for doctors’ visits and
blood sugar monitors medications. Make sure
that your plan covers
Medical equipment, such as wheelchairs
everything you need to
Emergency and urgent care services take care of your diabetes.

Substance abuse treatment

Physical therapy and rehabilitation services

8 9
What are the different ways JASON M. Here’s some help!
to get health insurance? Jason has type 2 diabetes

Would you like to be able to

talk with a real human being
There are many ways to get health insurance. Here are a few: who can help you—in person?
You can find that too! Visit
[Link].
S ome people can get health insurance through People and groups in your
a group health plan offered by their employer community can help you
or their spouse’s employer. In most cases, the apply, pick a plan, and enroll—
employee and employer share the monthly cost and for free. Most are available
of the policy (the premium). to meet in-person.

People can buy an individual health

insurance policy on their own.

Quick definitions
S ome people can buy health
[Link] insurance through the Health Medicaid
Insurance Marketplace, also known
A government-run health insurance program for low-
as the health exchange, which is
income families and children, pregnant women, the elderly,
a website set up by the Affordable
and people with disabilities. Some states have expanded
Care Act. Available plans are broken down into 4 health plan
their Medicaid programs to cover all adults below certain
categories, with some available at a reduced cost if certain
income levels. Each state is different. Check with your state
requirements are met.
to find out about coverage.

Medicare
Some people may qualify for government-funded health A federal health insurance program for people aged 65 or
insurance, such as Medicare or Medicaid, if they meet certain older and for certain younger people with disabilities.
eligibility requirements.
For more about Medicare, see page 26.

10 11
Why is it important to Understanding what your
review your plan regularly? plan might cover

Once you are insured, be sure to review your plan at least once To learn more about the services covered by a plan, be sure to
a year. Many insurance plans change their coverage benefits read the summary of benefits and coverage (SBC) for each
and premium costs each year. You will be informed about any plan you are considering. The SBC is a short, easy-to-understand
changes as your renewal date gets closer. Check to make sure summary of what each plan covers and the associated costs. It
that your preferred health care providers are still in your plan can help you compare the benefits and costs of different plans.
and that the premium is still affordable. Every SBC includes an example of what the plan covers for a
patient with type 2 diabetes. Everyone’s situation is different.
You may decide to switch to another plan that For a worksheet that can help you choose a plan, see page 40
works better for you. Each year there is an open of this booklet.
enrollment period when people can enroll in a
health insurance plan or change plans. There are
also special enrollment periods that allow people
with a life change, such as a job loss or marriage,
to enroll in a plan outside the open enrollment period. Quick tip CAROLYN F.
Carolyn has type 2
diabetes
Not really comfortable with the
What happens if your circumstances change? Internet? Talk with someone on the
phone! You can call the government’s
Life is always changing. If the circumstances in your life
Marketplace call center at
change, you may have to change your insurance plan as well.
1-800-318-2596 to ask a question,
For example, if you get married, have a baby, or get health
start or finish an application, compare
insurance through your job and later lose or change your job,
plans, or enroll. They’re available
you may have to switch to a different insurance plan, depending
24 hours a day, 7 days a week,
on the type of policy that you have. Changing plans because of
except certain holidays.
certain life events is allowed at any time.

12 13
What is a co-payment? What is coinsurance?

A co-payment, or co-pay, is a fixed amount that you pay for a Coinsurance is your share of the cost of a covered health care
covered health care service, usually when you get the service. service. You pay coinsurance after you’ve met your deductible.
The amount can vary by the type of service. For example, if the health insurance plan’s allowed amount for
an office visit is $100 and you’ve met your deductible, and if
Amount you have 20% coinsurance, your payment would be $20. The
paid by health insurance plan pays the rest.
insurance

Amount Total cost of office visit

you pay Co-pay Co-pay Co-pay
Office visit Hospital Medicine

Portion Portion paid

you pay 20% by insurance

Did you know?

Have you heard of shared decision making? Shared

decision making is a process by which patients and their
health care providers make health care decisions together,
taking into account the best medical information available,
as well as the patient’s values and choices. When you and
your health care provider discuss treatment options, make
sure to consider what your
insurance will cover.

14 15
What is a deductible? What does maximum out-of-pocket mean?
A deductible is the amount you owe for covered health care Maximum out-of-pocket is the most you’ll have to pay for
services before your health insurance plan begins to pay. covered services in a benefit year. After you reach this amount,
For example, if your deductible is $1,000, your plan won’t your health plan will pay for all covered essential health benefits
pay anything (except for preventive services and other from an in-network provider.
excluded services in the SBC) until you’ve paid $1,000 for
covered services. (Insurance pays for covered services above
the deductible, but you may be responsible for a co-pay or
coinsurance.)

Insurance pays for Insurance pays for all

covered services above covered services above
the deductible your maximum amount

Deductible Maximum
out-of-pocket
Amount you pay The maximum amount
before insurance you will have to pay in
begins to pay the benefit year

Medical expenses Medical expenses

It’s important to find out what is and what is not included in

your plan’s deductible. Check to see if your medicines and
diabetes supplies are included.

16 17
What is a high-deductible health plan? What is a flexible spending account?

A high-deductible health plan (HDHP) is a plan that has higher An FSA is an arrangement you set up through your employer
deductibles than most insurance plans. HDHPs can be combined to pay for many of your out-of-pocket medical expenses with
with a health savings account (HSA) (see below) to allow you to tax-free dollars. These expenses include insurance co-pays and
pay for qualified out-of-pocket costs on a pre-tax basis. deductibles, and qualified prescription medicines, insulin, and
medical devices. You decide how much of your pre-tax wages
What is a health savings account? you want taken out of your paycheck and put into an FSA. You
don’t have to pay taxes on this money. Your employer’s plan sets
An HSA is a type of savings account that allows you to set a limit on the amount you can put into an FSA each year.
aside money on a pre-tax basis to pay for qualified medical
expenses if you have a “high-deductible” health insurance plan. You usually have to use the money in an FSA within the benefit
Combining an HDHP with an HSA allows you to pay for certain year. But your employer may offer 1 of 2 options:
medical expenses, like your deductible and co-pay, with untaxed
It can provide a “grace period” of up to 2½ extra months
dollars. HDHPs usually have lower monthly premiums than plans
to use the money in your FSA
with lower deductibles. Unlike a flexible spending account (FSA),
HSA funds roll over year to year if you don’t spend them. You I t can allow you to carry over up to $500 a year to use in
can take the funds with you if you change jobs or leave the the following year
work force. Your HSA may also earn interest.
Your employer can offer either of these options but not both.
And it is not required to offer either.

At the end of the year or grace period, you lose any money left
in your FSA. So it’s a good idea to plan carefully and not put
more money in your FSA than you think you’ll spend within a
year on things like co-pays, coinsurance, medicines, and other
allowed expenses.

18 19
What is the difference between preferred and How can you find out if a plan covers your
non-preferred providers? prescription medicines?

Some insurance plans pay for medical care only when you get it Health insurance may or may not cover the cost of prescription
from a provider who is part of the network plan. medicines. Or it may cover only certain medicines.

Whether you have had diabetes for a long time or have just been
 Providers who are part Providers who are not part diagnosed, make sure that the plans you are considering cover
of a plan are called of a plan are called your diabetes needs. So when choosing a health insurance plan:
preferred providers non-preferred providers  heck that your diabetes medicines, test strips, and
C
any other medicines that you take are covered
Find out what the co-pay is for each of your medicines

To find out if a health insurance plan covers your prescription

medicines, including your diabetes medicines, you can check
the plan’s list of prescription medicines (formulary). Most
health insurance plans have their formularies online. Printed
formularies are also available from the health insurance
company. If you need help looking up a medicine on a
formulary, ask your pharmacist to help you.
Depending on the plan, you may have to pay some or all of the
Visit the website for your medicines to see if they have a co-pay
costs yourself if you choose to visit a non-preferred provider.
look-up tool. This will show you how much you will need to pay
To learn more about a plan’s in-network and out-of-network
for your prescription.
coverage, be sure to review the SBC for each plan.

Review the SBC for each plan to see if your health care providers
are part of the network.

20 21
Does health insurance cover
prescription medicines?

Understanding formularies Tier 3+

Formularies are usually divided into levels, or tiers, depending on

the insurance plan. Tiers show how much your co-pay will be, if
anything, for a particular medicine. In addition, formularies may
Tier 2
$$$
have an additional category of “nonformulary.” It’s important Tier 1 $$
$
to understand whether you will have to pay a co-pay or a
coinsurance amount for your prescription medicines, since this
will vary by plan and can change your out-of-pocket costs.

Be sure to find out the details of what medicines are covered

Tier 1. Medicines in tier 1 are the least costly and have
and how much co-pay you will have to pay for your medicines
the lowest co-pay. These medicines are usually generic
before you choose a plan. Medicines may not be included in
formulations of brand-name medicines (Ask your pharmacist
your deductible. Because formularies are always changing,
to see whether a Letter of Necessity from your health care
check your plan’s formulary regularly to make sure that it is
provider might help you get the medicine you need. Sometimes
right for you.
a form or letter from your provider can help you get coverage
for prescription medicines outside of the plan’s formulary.) It is also important to know
Something
that you may be able to that can help
Tier 2. Medicines in tier 2 are more costly and have a get access to prescription
higher co-pay. medicines not on your health If you use a Novo Nordisk
plan’s formulary. Ask your medicine, you can call the
provider about submitting Novo Nordisk Insurance
 iers 3, 4, and above. Medicines in tiers 3, 4, and above are
T Reimbursement department.
a prior authorization
the most costly and have the highest co-pay. There may also be A professional may be
request to begin this process.
a category of nonformulary medicines. able to help you regarding
See page 33 for more
your insurance coverage.
information about prior Please contact them at
authorization. 1-855-253-2414, 8:30 AM to
6:00 PM ET, Monday to Friday.
22 23
Are there programs to help Something to know
with the cost of prescription
medicines? Some pharmaceutical companies offer reimbursement
programs to help you get access to your prescription
medicines. Look at the websites for these medicines to
If a health insurance plan does not cover a medicine, there
see what programs are available.
may be programs to help people pay for that medicine if they
meet certain requirements. These programs are not just for The Novo Nordisk Diabetes Patient Assistance Program
prescription medicines. provides free medicines to those patients who qualify. For
 overnment programs, such as Medicare, Medicaid,
G more information about the Novo Nordisk Patient Assistance
and Veterans Affairs (VA) prescription benefits programs Program please call 1-866-310-7549, 8:00 AM - 8:00 PM ET,
Monday - Friday or visit [Link].
Patient assistance programs (PAPs): Some
pharmaceutical companies provide medicines to qualifying Some pharmaceutical companies offer insurance and
patients at no charge or discounted prices. For more reimbursement support to help you understand your
information contact the manufacturer of your medicine. prescription insurance benefits. If you use a Novo Nordisk
 he Partnership for Prescription Assistance (PPA),
T medicine, you can call the Novo Nordisk Insurance
to help eligible people without prescription medicine Reimbursement help line. They can help with co-pay
coverage find a program, which may be a PAP, to help information and investigate your benefits to find out whether
them get their medicines your provider might have prior authorization or other coverage
requirements. Please contact them at 1-855-253-2414,
 o-pay savings programs, sponsored by pharmaceutical
C
8:30 AM to 6:00 PM ET, Monday to Friday.
companies to provide financial assistance to qualified
patients and assist them with their prescription medicine The Novo Nordisk Instant Savings Card programs
co-pays may make treatment more affordable for eligible patients
through ongoing co-pay savings for some products.
Talk with your diabetes care team or pharmacist if you need help
For more information about the program, Novo Nordisk
paying for your prescription medicines. Your diabetes care team
diabetes products, and eligibility requirements, visit
or pharmacist may be able to help you find an assistance program
[Link]
that is right for you.

24 25
Understanding Medicare

Medicare is the US government health insurance program for What is Medicare Part C?
people aged 65 years or older. People younger than age 65 with
Medicare Part C (Medicare Advantage) is a type of Medicare
certain disabilities or permanent kidney failure may also qualify
health plan offered by a private company that contracts with
for Medicare. Medicare has 4 parts: A, B, C, and D.
Medicare to provide you with all your Part A and Part B benefits.
People with Medicare Parts A and B can choose to receive all
What is Medicare Part A? of their health care services through a single provider under
Medicare Part A is hospital insurance. It helps pay for Part C. Most Medicare Advantage plans offer prescription
inpatient care in a hospital or skilled nursing facility (after a drug coverage.
hospital stay), some home health care, and hospice care.
What is Medicare Part D?
What is Medicare Part B?
Medicare Part D is the program that helps pay for prescription
Medicare Part B is medical insurance. It helps pay for
medicines for people with Medicare. With Part D, you choose
services from doctors and other health care providers, hospital
a prescription drug plan run by a private insurance company
outpatient care, home health care, some medical equipment,
and some preventive services. approved by Medicare.

Most Medicare Advantage plans offer coverage for prescription

medicines, so people with a Medicare Advantage plan may get
help with their prescriptions through that program.

You are not required to sign up for Part D. It is optional, but

if you choose not to sign up for it when you are first eligible,
You can learn more about what Medicare covers you may have to pay a late-sign-up fee if you decide to
from the government booklet “Medicare & You” choose it in the future.
(Publication No. CMS-10050). Go to [Link].
Or call 1-800-MEDICARE (1-800-633-4227).

26 27
Each Medicare prescription drug plan is different. They each
have their own list of medicines that they cover. (This is called a Quick tip
formulary.) Many plans organize medicines into different “tiers”
When choosing a Part D plan, make sure that the plan
on their formularies. Medicines in each tier have different costs.
formulary includes:
For more information on formularies, please see page 22.
• All medicines you are now taking
For people with diabetes, it’s important to know that Medicare
• The supplies you use
drug plans do cover insulin not taken by pump. They can also
cover diabetes supplies, like syringes, needles, gauze, and • The pharmacy you prefer
alcohol pads.

If you have Medicare Part D, you may qualify for Medicare’s

HARMINDER C.
Extra Help, also known as low income subsidy (LIS). This Harminder has type 2 diabetes
program offers those with limited resources help with paying for
medicines and avoiding the donut hole (see below).

Did you know?

The donut hole is the coverage gap that most Medicare

drug plans have. This gap means that after you and
your drug plan have paid a certain amount for covered
medicines, you are responsible for paying a percentage
of the plan’s cost for your medicines. That percentage
changes from year to year. Because of the Affordable Care
Act, the gap will not exist after 2020.

28 29
 There are many things to consider when choosing a health
insurance plan. The most important thing is that the plan should
meet your coverage needs and also be affordable.

For people with diabetes, a good plan is one that provides

What you may

coverage for test strips and other diabetes supplies. It also
should provide coverage for services from a diabetes educator, a
registered dietitian, an eye care specialist, and a podiatrist. Keep

need to consider
in mind that the plan with the lowest monthly costs may not
turn out to be the least expensive in the long run.

when choosing
Take the time to check over each policy that you are considering
to make sure that it meets your needs. Look to see if there are
any limitations in coverage. For example, do the plans cover

health insurance
prescription medicines? Keep in mind that many plans do not.
Coverage for prescription medicines may be very important.

Everyone has a unique situation. Think about all aspects of your

coverage, and consider all the costs that you and your family
might have. For example, monthly payments on some plans
may be lower, but out-of-pocket costs, such as deductibles,
co-pays, and coinsurance, may be higher.

30 31
Tips to make your health
insurance plan work for you

Explore all of your health insurance coverage options. Talk with your provider’s office staff.
There are many different types of health insurance plans. The more They understand health insurance and will be able to
information you have, the better your decisions will be. provide advice.

Review the benefits offered by each plan. Find out about prior authorizations needed.
Make sure that the benefits match your medical needs and then A prior authorization is a request submitted by your health care
choose the one that is best for you. If you are already enrolled in provider to your health insurance company to support your
a plan, but it no longer meets your needs, find out when you can need for a specific prescription medicine. Ask your health care
change to another plan. provider if they will provide your insurance company with the
information required for a prior authorization if your medicine
L earn your plan’s rules about preauthorization.
is not covered. This may help provide you with access to the
Find out if you need to have any medical services, such as surgery,
medicines you need.
authorized by the plan beforehand. If preauthorization before a
medical procedure is required and you have the procedure done
without having it authorized, your plan may not cover it and you
may have to pay the entire cost.

Use your health insurance plan.

Use your plan to help cover medical costs for services, such as
Quick tip
going for checkups, filling prescriptions, and getting emergency
care. Using your benefits may help you stay healthy. Learning about health
insurance can help you
L earn how to file an appeal if coverage is denied.
take a more active role in
If you are denied coverage for a service that you think is covered by
your own medical care.
your plan, you may be able to file an appeal. Check your policy to
find out how to file an appeal.

32 33
What questions should
you ask?

Here are some questions to ask yourself when deciding which o Is the plan a Health Maintenance Organization (HMO)
health insurance plan is right for you. or a Preferred Provider Organization (PPO), and which
do you prefer?
o D
 o you want basic or comprehensive coverage? An HMO often limits coverage to care from doctors who
A basic plan covers less than a comprehensive plan and belong to the HMO network and will not cover out-of-
usually has a lower monthly premium. A comprehensive network care except in an emergency. Referrals to see
plan that covers more services than a basic plan may be specialists are usually required. A PPO provides a larger pool
better for people with diabetes. of participating doctors and hospitals and allows you to see
non-preferred providers if you choose, although you will
have to pay more.

o Does the plan have its own network of health care

providers?
o Do health care providers in your area participate in the
This would include providers who are covered by the plan. plan’s network?

34 35
o 
Are your current health care providers, including your o Is the out-of-network co-payment higher if you go to
diabetes care team, part of the plan’s network? a health care provider outside of your network plan?

o Do you need a referral from your primary care

physician (PCP) to see a specialist?
o How much will your in-network co-payment be for
services, such as medical visits, emergency services,
and prescription medicines, within your network plan?

o Is your local hospital covered by the plan?

o Does the plan provide any coverage for non-preferred

providers? o Does the plan cover services that you need or are
important to you?

36 37
o Is your pharmacy covered by the plan? o Does the plan require you to choose a PCP to manage
your medical care?

o  oes the plan cover prescription medicines,

D
including your diabetes medicines and supplies, o How much is the plan’s premium (monthly cost)?
such as test strips?

o 
How much is the deductible that you will have to pay
each year before the plan’s benefits kick in?

o Does the plan cover your family?

o  there a cap, or limit, on the dollar amount of

Is
benefits your insurance company will pay in a year?
o  oes the plan cover your medical costs if you need
D
care while you are traveling or are away from home?

38 39
 If you’re trying to decide on the health insurance plan that’s
best for you, this worksheet will help you compare options.
Use the information provided by each insurance company to
fill in the worksheet. When you’re finished, take a look at all
the information you’ve filled in to make the best decision for
yourself. Please keep in mind that you may need to meet your

Health insurance
deductible before these costs apply. For more information on
deductibles, please see page 16.

comparison Option 1

worksheet Company Name: _________________________________________

Phone Number:_________________________________________

Option 2
Company Name: _________________________________________
Phone Number:_________________________________________

Option 3
Company Name: _________________________________________
Phone Number:_________________________________________

40 41
Section1
Health insurance
Example Option 1 Option 2 Option 3

plan/policy costs
ABC Health
800
$______ per month $______ per month $______ per month $______ per month
Monthly premium amount x 12 months = x 12 months = x 12 months = x 12 months =
9600
$______________ $______________ $______________ $______________

50
$______ per visit $______ per visit $______ per visit $______ per visit
General office visit co-pay/
coinsurance
6 visits =
x _____ x _____ visits = x _____ visits = x _____ visits =
300
$______________ $______________ $______________ $______________

100
$______ per visit $______ per visit $______ per visit $______ per visit
Hospital visits co-pay/coinsurance 2 visits =
x _____ x _____ visits = x _____ visits = x _____ visits =
200
$______________ $______________ $______________ $______________

75
$______ per visit $______ per visit $______ per visit $______ per visit
Specialists co-pay/coinsurance 2
x _____ visits = x _____ visits = x _____ visits = x _____ visits =
150
$______________ $______________ $______________ $______________

0
$______ per visit $______ per visit $______ per visit $______ per visit
Dental co-pay/coinsurance x _____ visits = x _____ visits = x _____ visits = x _____ visits =
Not covered
$______________ $______________ $______________ $______________

Total estimated costs on

10,250
co-pay/coinsurance (Add up your $_____________ $_____________ $_____________ $_____________
estimate for each in this section.)

Cost of prescription medicines and diabetes supplies

Is the cost of prescription

medicines covered? X Yes No Yes No Yes No Yes No

If yes, what is the yearly

50
$_________ $______________ $______________ $______________
prescription cost? (Could per prescription per prescription per prescription per prescription
be co-pay/coinsurance)
5
X _____ number of X _____ number of X _____ number of X _____ number of
prescriptions filled = prescriptions filled = prescriptions filled = prescriptions filled =
250
$__________ $______________ $______________ $______________
x 12 months = x 12 months = x 12 months = x 12 months =
3,000
$___________ $______________ $______________ $______________
Does the plan/policy cover
the prescriptions you need? X Yes No Yes No Yes No Yes No

Does the plan/policy cover

the cost of diabetes supplies
(for injections, testing, etc)?
X Yes No Yes No Yes No Yes No

My estimated yearly
prescription costs
3,000
$______________ $______________ $______________ $______________

Eye care

50
$______ per visit $______ per visit $______ per visit $______ per visit
2 visits
X ______ X ______ visits X ______ visits X ______ visits
Total yearly estimated
costs for eye care Out-of-pocket costs Out-of-pocket costs Out-of-pocket costs Out-of-pocket costs
150
$______ lenses $______ lenses $______ lenses $______ lenses
100 frame
$______ $______ frames $______ frames $______ frames

My estimated yearly
eye care costs
350
$______________ $_____________ $_____________ $_____________

Total estimated yearly health

care costs (Add up boxes to
calculate the total out-of-pocket
13,600
$______________ $_____________ $_____________ $_____________
costs for each option)

Annual deductibles
Many plans come with a deductible that you may need to meet. This example assumes you’ve met your deductible.
Remember to include the cost of the deductible as you look at each plan.

Is there an annual deductible to

meet before benefits take effect?
2,000
$______________ $______________ $______________ $______________

Is there a separate annual

deductible for prescriptions?
300
$______________ $______________ $______________ $______________

My estimated yearly deductible

costs (add all lines above)
2,300
$______________ $______________ $______________ $______________

What is the yearly 5,000

$______________ $______________ $______________ $______________
out-of-pocket limit? Does
it include the deductible? X Yes No Yes No Yes No Yes No
Section 2
Accessing medical services
Do I have to complete a health
questionnaire to get the insurance? Yes X No Yes No Yes No Yes No

Do all my providers accept

this insurance? X Yes No Yes No Yes No Yes No

Are all my providers in network? X Yes No Yes No Yes No Yes No

Do I need referrals for specialists? Yes X No Yes No Yes No Yes No

Do I need preauthorization for

medical procedures? X Yes No Yes No Yes No Yes No

Does this insurance accept the X Yes No Yes No Yes No Yes No

provider’s billing?
If No, do I have to pay at time Yes No Yes No Yes No Yes No
of service and get the insurance
company to reimburse me?

Section
Coverage
3
Emergency care,
________________ ________________ ________________ ________________
What services does the plan/policy
cover (for example, emergency hospitalization,
________________ ________________ ________________ ________________
services, hospitalization,
laboratory services, prescription
prescription
________________ ________________ ________________ ________________
medicines, eye care coverage, medicines,
________________ ________________ ________________ ________________
dental care)?
eye care
________________ ________________ ________________ ________________

X Yes No Yes No Yes No Yes No

Are any treatments or care Dental
excluded? ________________ ________________ ________________ ________________
________________ ________________ ________________ ________________

________________ ________________ ________________ ________________

How are covered services paid for ________________ ________________ ________________ ________________
(must I first meet a deductible,
which services apply to the ________________ ________________ ________________ ________________
deductible, which services require
me to pay a co-pay or coinsurance)? ________________ ________________ ________________ ________________
________________ ________________ ________________ ________________
 Section 4
Preferred option (Notes)

Option 1
Something to remember

Be sure to review your plan at least once a year. Many ________________________________________________

insurance plans change their coverage benefits and ________________________________________________
premium costs each year. Also, check to make sure that ________________________________________________
your preferred health care providers are still in your plan ________________________________________________
and that the premium is still affordable.

Option 2
DAVID W. AND PATRICIA W.
Patricia’s husband David has type 2 diabetes
________________________________________________
________________________________________________
________________________________________________
________________________________________________

Option 3

________________________________________________
________________________________________________
________________________________________________
________________________________________________

48 49
 Glossary

A
Affordable Care Act
The health care reform law, enacted in 2010, was designed to
expand health insurance coverage for millions of Americans.

Some important B
Benefit year

words for you A year of benefits coverage under an individual insurance plan.
The benefit year usually begins on January 1 of each year and
ends on December 31 of the same year.

to know Benefits
The health care services or items covered by a health
insurance plan.
Brand-name medicines
A prescription medicine sold by a drug company under a specific
name or trademark and that is protected by a patent. Brand-
name medicines usually cost more than generic formulations.

C
COBRA
A federal law that may allow you to keep your health coverage
for a while after you leave your job. With COBRA, you pay all
of the premiums, including the amount paid by your former
employer.
50 51
Coinsurance
Your share of the cost of a covered medical service. Coinsurance E
is usually a percentage of the allowed cost of service (for Excluded services
example, 20% of the cost of a prescription medicine).
Health care services that your health insurance does not cover.
Co-payment (co-pay)
Extra Help
A set amount (flat fee) that you pay for a covered medical
service. It is usually paid when you receive the service. The If you have Medicare Part D, there is a government program
amount can vary. that can help you pay for prescription medicines and avoid the
donut hole. It is also known as a low income subsidy.

D Eye care coverage

A health benefit that at least partially covers eye care, such as
Deductible eye exams and glasses. All plans sold on the Health Insurance
Marketplace include pediatric eye care coverage but do not have
The amount you pay for covered health care services before
to include adult eye care coverage. Check the details of the plans
your insurance plan starts to pay. For example, with a $2,000
you are considering to see if adult eye care coverage is included. If
deductible, you pay the first $2,000 of covered services yourself.
your plan does not include adult eye care coverage, contact your
After you pay your deductible, you usually pay only a co-pay or
state’s Department of Insurance or a local agent or broker to learn
coinsurance for covered services. Your insurer pays the rest.
about stand-alone eye care plans that you can buy.
Donut hole
The coverage gap (the amount you have to pay) in most
Medicare Part D prescription drug coverage plans. This means F
that after you and your drug plan have spent a certain amount of Federal poverty level (FPL)
money for covered medicines, you have to pay all costs for your
prescriptions, up to a yearly limit. After that, your coverage gap A measure of income level issued each year by the Department
ends, and your drug plan helps pay for covered medicines again. of Health and Human Services. The FPL is used to determine
your eligibility for certain programs and benefits, such as
Medicaid.
Formulary
A list of prescription medicines covered by an insurance plan.

52 53
G Health Maintenance Organization (HMO)
A type of health insurance plan that often limits coverage
Generic formulation to care from doctors who belong to the HMO network.
HMOs usually will not cover out-of-network care except in an
A prescription medicine that has the same active ingredients as
emergency.
a brand-name medicine. Generic medicines often cost less than
brand-name medicines. Health plan categories
Group health plan The 4 types of health plans available from the Health Insurance
Marketplace, with each category paying a set percentage of the
A health plan offered by an employer or employee organization
average overall cost of benefits: Bronze (60%), Silver (70%),
(for example, a union) that provides health coverage to
Gold (80%), and Platinum (90%).
employees and their families.
Hospital outpatient care

H Care in a hospital that usually does not require staying overnight.

Health exchanges
Online marketplaces set up by organizations to help with the
I
decisions associated with the purchase of health insurance in In-network coinsurance
each state. See Health Insurance Marketplace and Obamacare. The percentage (for example, 20%) that you pay for a covered
Health insurance health care service to providers who contract with your health
insurance plan. In-network coinsurance usually costs you less
A contract that requires your insurance company to pay some
than out-of-network coinsurance.
or all of your health care costs in exchange for a premium.
In-network co-payment
Health Insurance Marketplace
A set amount (for example, $15) that you pay for a covered
A state-run or federally run resource where people can learn
health care service to providers who contract with your health
about their health coverage options, compare health insurance
insurance plan. In-network co-payments usually cost you less
plans, choose a plan, and enroll in coverage. These marketplaces
than out-of-network co-payments.
are sometimes referred to as health exchanges or Obamacare.
Individual health insurance policy
A health insurance policy that is not a job-based plan.
54 55
Inpatient care Medicaid
Health care that you get when you are admitted as an inpatient A government-run health insurance program for people who
to a hospital or skilled nursing facility. meet certain income thresholds, including low-income families
and children, pregnant women, the elderly, and people with

J
disabilities. Some states have expanded their Medicaid programs
to cover all adults below certain income levels.

Job-based health plan Medically necessary

Health coverage that is offered to an employee and the Health care services or supplies that are needed to diagnose or
employee’s family by an employer. treat an illness or injury and that meet accepted standards of
medicine.

L Medicare
A federal health insurance program for people aged 65 or older
Letter of necessity and for certain younger people with disabilities.
A document written to your insurance company or other funding Medicare Part A
source by your health care provider. The letter provides information
needed to convince the insurance company or funding source that A type of Medicare plan that pays for hospital care. It helps pay
the requested health care service or medicine is necessary to meet for inpatient care in a hospital or skilled nursing facility (after a
your medical needs. hospital stay), some home health care, and hospice care.

Low income subsidy (LIS) Medicare Part B

Low income subsidy is a term used for Medicare’s Extra Help A type of Medicare plan that helps pay for services from doctors
program. If qualified, the program will help pay for prescription and other health care providers, outpatient care, home health
medicines once insurance had paid an allotted amount. care, some medical equipment, and some preventive services.
Medicare Part C (Medicare Advantage)

M A type of Medicare health plan offered by a private company

that contracts with Medicare to provide you with all your Part A
Marketplace and Part B benefits. If you’re enrolled in a Medicare Advantage
See Health Insurance Marketplace. Plan, most Medicare services are covered through the plan. Most
Medicare Advantage plans offer prescription drug coverage.
56 57
Medicare Part D
A program that helps pay for prescription medicines for people O
with Medicare. Obamacare
An informal name for the Affordable Care Act and for
N health coverage plans available through the Health Insurance
Marketplace. See Affordable Care Act.
NDC Block
Open enrollment period
A restriction on coverage for prescription medicines. A National The period every year when people can enroll in a health
Drug Code (NDC) block means that a product is not covered at insurance plan or change plans. People who get married, have
all. Your doctor may be able to request an exception for you to a baby, or lose their coverage for some reason may qualify for
receive that product. enrolling outside the open enrollment period.
Network Out-of-network coinsurance
The doctors, hospitals, pharmacies, and other health care The percentage (for example, 40%) that you pay for a covered
providers that your health insurance plan has contracted with to health care service to providers who do not contract with your
provide health care services. health insurance plan. Out-of-network coinsurance usually costs
Network plan you more than in-network coinsurance.

A health insurance plan that contracts with doctors, hospitals, Out-of-network co-payment
pharmacies, and other health care providers to provide A set amount (for example, $30) that you pay for a covered
members of the plan with health care services and supplies at a health care service to providers who do not contract with your
discounted price. health insurance plan. Out-of-network co-payments usually cost
Non-preferred provider you more than in-network co-payments.

A health care provider who does not have a contract with your Out-of-pocket costs
health insurance plan to provide services to you. You will pay Medical costs that your insurance plan does not pay for and that
more to see a non-preferred provider. you are responsible for. Out-of-pocket costs include deductibles,
coinsurance, and co-payments for covered services, plus costs
for services that aren’t covered.

58 59
P Preventive services
Routine health care that includes screenings, checkups, and
Preauthorization patient counseling to prevent illnesses, disease, or other health
problems. Most health plans must cover a set of preventive
A decision by your health insurance plan that a health care services at no cost to you.
service, treatment plan, prescription drug, or durable medical
equipment is medically necessary. Sometimes called prior Primary care physician (PCP)
authorization, prior approval, or precertification. Your health A doctor who is generally the first point of contact for health care.
insurance plan may require preauthorization for certain services In other words, the PCP is the first health care provider whom you
before you receive them, except in an emergency. would visit or call when you need care.
Preferred provider Prior authorization
A provider who has a contract with your health insurance plan In some instances, health plans require patients to meet specific
to provide services to you at a discount. criteria to receive preapproval before a medicine is prescribed in
Preferred provider organization (PPO) order for that medicine to be covered under the plan.
A type of health plan that contracts with doctors and hospitals
to form a network of participating providers. You pay less if you
use providers that belong to the plan’s network. You will pay
R
more for using doctors and hospitals outside the network. Referral
Premium A written order from your primary care physician (PCP) for you
to see a specialist or get certain medical services. In many health
The cost of your health insurance plan that you and/or your
maintenance organizations (HMOs), you need to get a referral
employer pays.
before you can get medical care from anyone except your PCP. If
Prescription drug coverage you do not get a referral first, the plan may not pay for the services.
Health insurance that helps pay for prescription medicines.
Prescription medicines
Medicines that require a prescription by law.

60 61
S W
Self-insured plan Wellness programs
Type of plan often provided by larger companies where the Programs to improve health and fitness that are usually offered
employer, not an insurance company, collects premiums from through the workplace or directly by an insurance plan.
enrollees and takes on the responsibility of paying employees’ Wellness programs include diabetes management programs,
medical claims. programs to help you stop smoking, weight-loss programs,
and preventive health screening. Wellness programs offer you
Stand-alone dental plan premium discounts, cash rewards, gym memberships, and other
A type of dental plan offered through the Health Insurance incentives to participate.
Marketplace that is not part of a health plan. You may want this
if your health coverage does not include dental services or if you
want different dental coverage. Notes
Subsidized coverage
Health coverage that is obtained with financial help from
programs to help people with low and middle incomes.
Summary of benefits and coverage (SBC)
An easy-to-read summary that helps you compare the costs and
covered benefits of different health plans. You will get an SBC
when you shop for coverage on your own or through your job,
renew or change coverage, or request an SBC from the health
insurance company.

62 63
 Return this card today to join 2 Tell us a little more 3 Tell us about your interests
To learn more… * What type of diabetes do you have? (Check one) Please check up to 2 topics from the list below so we can
offer you the information and support that’s most helpful to you.
Support online q Type 2 q Type 1 q Don’t know
* What year were you (or the person you care for)
diagnosed with diabetes?______________________________
q Healthy q Being
* What type of diabetes medicine has been prescribed?
eating active
Enjoy the benefits and support of the free Cornerstones4Care ®
1 Tell us about yourself (Check all that apply)
q Insulin q Managing q Diabetes
program. Simply enroll online at [Link]. q Diabetes pills (also called oral antidiabetic drugs, or OADs) diabetes medicines
Health Insurance [Link] You’ll be able to take advantage of all sorts of tools for managing Go to [Link] to register today. Or fill in the q GLP-1 medicine
information below. Then tear off this card, fold and seal it, and mail q None
Marketplace 1-888-318-2596
your diabetes. Don’t miss it back to us. q Other

this chance. Join today! All fields with asterisks (*) are required.
* If you checked “diabetes pills,” how many types are taken
4 Review and complete below
each day?
* q I have diabetes or q I care for someone who has diabetes q 1 type of diabetes pill q 2 types of diabetes pills
Medicare and 1-877-267-2323 q More than 2 types of diabetes pills Novo Nordisk Inc. (“Novo Nordisk”) understands protecting your
Medicaid [Link] * First name______________________________________ MI_____ * If you checked “Insulin,” “GLP-1 medicine,” or “Other,” please
personal and health information is very important. We do not share
any personally identifiable information you give us with third parties
fill in the following for each: for their own marketing use.

* Last name______________________________________________ Product 1:________________________________________________ I understand from time to time, Novo Nordisk’s Privacy Policy may
change, and for the most recent version of the Privacy Policy, please
Novo Nordisk Diabetes How is this product taken? (Check all that apply) visit [Link].
1-866-310-7549 * Address 1______________________________________________ q Syringe q Pen q Other delivery system
Patient Assistance By signing and dating below, I consent that the information I am
[Link] How long has this product been taken?
Program (PAP) Address 2______________________________________________ q Prescribed but not taken q 7-12 months
providing may be used by Novo Nordisk, its affiliates or vendors to
keep me informed about products, patient support services, special

novo nordisk is dedicated * City____________________________________________________

q 0-3 months
q 4-6 months
q 1-3 years
q 3 or more years
offers, or other opportunities that may be of interest to me via mail
and email. Novo Nordisk may also combine the information I provide

to diabetes
with information about me from third parties to better match these
Partnership for How many injections are taken each day?† offers with my interests. These materials may contain information
1-888-4PPA-NOW
Prescription * State_________________________________ * ZIP_____________ q1 q2 q3 q More than 3 q N/A that market or advertise Novo Nordisk products, goods, or services.
[Link]
Assistance (PPA) Product 2:________________________________________________ q Yes, I’d like to be contacted by Novo Nordisk via
* Email address___________________________________________
Diabetes is our passion and our business How is this product taken? (Check all that apply) phone calls and text messages at the phone numbers
I have provided.
q Syringe q Pen q Other delivery system
Phone number _ ( ___|___|___ ) - |___|___|___| - |___|___|___|___|
US Department of 1-877-222-8387 As a leader in diabetes, Novo Nordisk is dedicated to improving How long has this product been taken? By checking this box, and signing and dating below, I
authorize Novo Nordisk to use auto-dialers, prerecorded messages,
q Prescribed but not taken q 7-12 months
Veterans Affairs (VA) [Link] diabetes care worldwide. Novo Nordisk first marketed insulin Cell phone number _( ___|___|___ ) - |___|___|___| - |___|___|___|___|
q 0-3 months q 1-3 years
and artificial voice messages to contact me. I understand that these
calls and text messages may market or advertise Novo Nordisk
for commercial use in 1923. Today we offer a broad line of q 4-6 months q 3 or more years products, goods, or services. I understand that I am not required
* Birth date (mm/dd/yyyy)___________________________________
medicines for diabetes. Novo Nordisk created the world’s first How many injections are taken each day?†
to consent to being contacted by phone or text message as a
condition of any purchase of goods or services.
prefilled pen device for injections. q1 q2 q3 q More than 3 q N/A
Novo Nordisk Diabetes If you are the parent of a child aged 17 years or younger for Product 3:________________________________________________ I may opt out at any time by clicking the unsubscribe link within
1-855-253-2414
Reimbursement Hotline If you are having trouble affording your Novo Nordisk brand whom you provide diabetes care, please give the following
How is this product taken? (Check all that apply)
any email I receive, by calling 1.877.744.2579, or by sending a
information for the minor: letter with my request to Novo Nordisk Inc., 800 Scudders Mill
medicine, you may qualify for help. Call the Customer Care q Syringe q Pen q Other delivery system Road, Plainsboro, New Jersey 08536.

Center at 1-800-727-6500 to see if you qualify for assistance. First name________________________________________________

How long has this product been taken? By providing my information to Novo Nordisk and signing and dating
q Prescribed but not taken q 7-12 months below, I certify I am at least eighteen (18) years of age and agree to
q 0-3 months q 1-3 years the terms above.
For more information about Novo Nordisk products for diabetes Last name________________________________________________ q 4-6 months q 3 or more years
care, call 1-800-727-6500. How many injections are taken each day?† Signature (required)_________________________________
Birth date (mm/dd/yyyy)____________________________________
q1 q2 q3 q More than 3 q N/A
Date (required)_____________________________________
mm/dd/yyyy
000732161
64 65
 Return this card today to join 2 Tell us a little more 3 Tell us about your interests
To learn more… * What type of diabetes do you have? (Check one) Please check up to 2 topics from the list below so we can
offer you the information and support that’s most helpful to you.
Support online q Type 2 q Type 1 q Don’t know
* What year were you (or the person you care for)
diagnosed with diabetes?______________________________
q Healthy q Being
* What type of diabetes medicine has been prescribed?
eating active
Enjoy the benefits and support of the free Cornerstones4Care ®
1 Tell us about yourself (Check all that apply)
q Insulin q Managing q Diabetes
program. Simply enroll online at [Link]. q Diabetes pills (also called oral antidiabetic drugs, or OADs) diabetes medicines
Health Insurance [Link] You’ll be able to take advantage of all sorts of tools for managing Go to [Link] to register today. Or fill in the q GLP-1 medicine
information below. Then tear off this card, fold and seal it, and mail q None
Marketplace 1-888-318-2596
your diabetes. Don’t miss it back to us. q Other

this chance. Join today! All fields with asterisks (*) are required.
* If you checked “diabetes pills,” how many types are taken
4 Review and complete below
each day?
* q I have diabetes or q I care for someone who has diabetes q 1 type of diabetes pill q 2 types of diabetes pills
Medicare and 1-877-267-2323 q More than 2 types of diabetes pills Novo Nordisk Inc. (“Novo Nordisk”) understands protecting your
Medicaid [Link] * First name______________________________________ MI_____ * If you checked “Insulin,” “GLP-1 medicine,” or “Other,” please
personal and health information is very important. We do not share
any personally identifiable information you give us with third parties
fill in the following for each: for their own marketing use.

* Last name______________________________________________ Product 1:________________________________________________ I understand from time to time, Novo Nordisk’s Privacy Policy may
change, and for the most recent version of the Privacy Policy, please
Novo Nordisk Diabetes How is this product taken? (Check all that apply) visit [Link].
1-866-310-7549 * Address 1______________________________________________ q Syringe q Pen q Other delivery system
Patient Assistance By signing and dating below, I consent that the information I am
[Link] How long has this product been taken?
Program (PAP) Address 2______________________________________________ q Prescribed but not taken q 7-12 months
providing may be used by Novo Nordisk, its affiliates or vendors to
keep me informed about products, patient support services, special

novo nordisk is dedicated * City____________________________________________________

q 0-3 months
q 4-6 months
q 1-3 years
q 3 or more years
offers, or other opportunities that may be of interest to me via mail
and email. Novo Nordisk may also combine the information I provide

to diabetes
with information about me from third parties to better match these
Partnership for How many injections are taken each day?† offers with my interests. These materials may contain information
1-888-4PPA-NOW
Prescription * State_________________________________ * ZIP_____________ q1 q2 q3 q More than 3 q N/A that market or advertise Novo Nordisk products, goods, or services.
[Link]
Assistance (PPA) Product 2:________________________________________________ q Yes, I’d like to be contacted by Novo Nordisk via
* Email address___________________________________________
Diabetes is our passion and our business How is this product taken? (Check all that apply) phone calls and text messages at the phone numbers
I have provided.
q Syringe q Pen q Other delivery system
Phone number _ ( ___|___|___ ) - |___|___|___| - |___|___|___|___|
US Department of 1-877-222-8387 As a leader in diabetes, Novo Nordisk is dedicated to improving How long has this product been taken? By checking this box, and signing and dating below, I
authorize Novo Nordisk to use auto-dialers, prerecorded messages,
q Prescribed but not taken q 7-12 months
Veterans Affairs (VA) [Link] diabetes care worldwide. Novo Nordisk first marketed insulin Cell phone number _( ___|___|___ ) - |___|___|___| - |___|___|___|___|
q 0-3 months q 1-3 years
and artificial voice messages to contact me. I understand that these
calls and text messages may market or advertise Novo Nordisk
for commercial use in 1923. Today we offer a broad line of q 4-6 months q 3 or more years products, goods, or services. I understand that I am not required
* Birth date (mm/dd/yyyy)___________________________________
medicines for diabetes. Novo Nordisk created the world’s first How many injections are taken each day?†
to consent to being contacted by phone or text message as a
condition of any purchase of goods or services.
prefilled pen device for injections. q1 q2 q3 q More than 3 q N/A
Novo Nordisk Diabetes If you are the parent of a child aged 17 years or younger for Product 3:________________________________________________ I may opt out at any time by clicking the unsubscribe link within
1-855-253-2414
Reimbursement Hotline If you are having trouble affording your Novo Nordisk brand whom you provide diabetes care, please give the following
How is this product taken? (Check all that apply)
any email I receive, by calling 1.877.744.2579, or by sending a
information for the minor: letter with my request to Novo Nordisk Inc., 800 Scudders Mill
medicine, you may qualify for help. Call the Customer Care q Syringe q Pen q Other delivery system Road, Plainsboro, New Jersey 08536.

Center at 1-800-727-6500 to see if you qualify for assistance. First name________________________________________________

How long has this product been taken? By providing my information to Novo Nordisk and signing and dating
q Prescribed but not taken q 7-12 months below, I certify I am at least eighteen (18) years of age and agree to
q 0-3 months q 1-3 years the terms above.
For more information about Novo Nordisk products for diabetes Last name________________________________________________ q 4-6 months q 3 or more years
care, call 1-800-727-6500. How many injections are taken each day?† Signature (required)_________________________________
Birth date (mm/dd/yyyy)____________________________________
q1 q2 q3 q More than 3 q N/A
Date (required)_____________________________________
mm/dd/yyyy
000732161
59 60
FREE tools and resources from

UNITED STATES
NO POSTAGE
NECESSARY
IF MAILED
IN THE
Cornerstones4Care® gives you information
and support tailored to your needs, wherever
you are in your diabetes journey. It offers a
wide array of diabetes management tools,
available whenever you need them, all in
one place. Features include:

Produced by DAZzle Designer, Version 9.0.05

(c) 1993-2009, Endicia, [Link]
Meal planning tools
Easy-to-make recipes for

PLEASE MOISTEN GLUE, FOLD, SEAL, AND MAIL THIS POSTAGE-PAID CARD.
tasty, diabetes-friendly
ORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed!

U.S. Postal Service, Serial #

dishes—plus shopping
ecial care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece

FIRST-CLASS MAIL PERMIT NO. 5509 SHAWNEE MISSION KS

and tracking tools

BUSINESS REPLY MAIL

SHAWNEE MISSION KS 66201-9623

Interactive trackers

POSTAGE WILL BE PAID BY ADDRESSEE

With A1C, medicine, and The Cornerstones4Care® educational
blood sugar tracking tools, series is designed to help people with
you can share progress diabetes and their care partners work
with your diabetes care with the diabetes care team to learn
team about and manage diabetes.

NOVO NORDISK INC

Diabetes and you
Supportive newsletters

PO BOX 29303
With timely tips and Your guide to better office visits
inspiration every step
meet both USPS regulations and automation compatibility standards.

of the way Diabetes medicines

Carb counting and meal planning

Diabetes books
Free, downloadable Staying on track—Blood sugar
books designed to help diary included in back pocket
you learn more about
Supporting someone with
important diabetes topics
diabetes

work for User Defined (3.625" x 9")

out: sample BRM Env with [Link]
Return this card today Novo Nordisk Inc. grants permission to reproduce this piece for nonprofit educational purposes only on
condition that the piece is maintained in its original format and that the copyright notice is displayed.
Novo Nordisk Inc. reserves the right to revoke this permission at any time.
Cornerstones4Care® is a registered trademark Cornerstones4Care® is a registered trademark of Novo Nordisk A/S.
of Novo Nordisk A/S.
Novo Nordisk is a registered trademark of Novo Nordisk is a registered trademark of Novo Nordisk A/S.
Novo Nordisk A/S.
rch 15, 2012

© 2016 Novo Nordisk All rights reserved. USA15PCT01336 September 2016 [Link]
© 2016 Novo Nordisk Printed in the U.S.A.
USA15PCT01336 September 2016
FREE tools and resources from

UNITED STATES
NO POSTAGE
NECESSARY
IF MAILED
IN THE
Cornerstones4Care® gives you information
and support tailored to your needs, wherever
you are in your diabetes journey. It offers a
wide array of diabetes management tools,
available whenever you need them, all in
one place. Features include:

Produced by DAZzle Designer, Version 9.0.05

(c) 1993-2009, Endicia, [Link]
Meal planning tools
Easy-to-make recipes for

PLEASE MOISTEN GLUE, FOLD, SEAL, AND MAIL THIS POSTAGE-PAID CARD.
tasty, diabetes-friendly
ORTANT: DO NOT ENLARGE, REDUCE OR MOVE the FIM and POSTNET barcodes. They are only valid as printed!

U.S. Postal Service, Serial #

dishes—plus shopping
ecial care must be taken to ensure FIM and POSTNET barcode are actual size AND placed properly on the mail piece

FIRST-CLASS MAIL PERMIT NO. 5509 SHAWNEE MISSION KS

and tracking tools

BUSINESS REPLY MAIL

SHAWNEE MISSION KS 66201-9623

Interactive trackers

POSTAGE WILL BE PAID BY ADDRESSEE

With A1C, medicine, and The Cornerstones4Care® educational
blood sugar tracking tools, series is designed to help people with
you can share progress diabetes and their care partners work
with your diabetes care with the diabetes care team to learn
team about and manage diabetes.

NOVO NORDISK INC

Diabetes and you
Supportive newsletters

PO BOX 29303
With timely tips and Your guide to better office visits
inspiration every step
meet both USPS regulations and automation compatibility standards.

of the way Diabetes medicines

Carb counting and meal planning

Diabetes books
Free, downloadable Staying on track—Blood sugar
books designed to help diary included in back pocket
you learn more about
Supporting someone with
important diabetes topics
diabetes

work for User Defined (3.625" x 9")

out: sample BRM Env with [Link]
Return this card today Novo Nordisk Inc. grants permission to reproduce this piece for nonprofit educational purposes only on
condition that the piece is maintained in its original format and that the copyright notice is displayed.
Novo Nordisk Inc. reserves the right to revoke this permission at any time.
Cornerstones4Care® is a registered trademark Cornerstones4Care® is a registered trademark of Novo Nordisk A/S.
of Novo Nordisk A/S.
Novo Nordisk is a registered trademark of Novo Nordisk is a registered trademark of Novo Nordisk A/S.
Novo Nordisk A/S.
rch 15, 2012

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