Compare the cost-effectiveness of Dexcom Stelo CGM + HEALDX for proactive diabetes management with Oscar’s insurance plan to make a financially smart, health-focused decision.
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Managing diabetes effectively means balancing both health outcomes and financial costs. Traditional health insurance often provides coverage for diabetes care but can become financially draining with high premiums and deductibles. This blog compares two options: using the STELO CGM by Dexcom combined with HEALDX for direct diabetes management and Oscar’s Diabetes Care insurance plan.
1. Oscar’s Diabetes Care Plan Overview
Monthly Premium: $404.07
Deductible: $9,100
Coverage: This plan covers diabetes management services, including glucose monitors, doctor visits, medications, and lab tests. However, the catch is that you must first meet the $9,100 deductible before these benefits fully kick in. Until you hit that threshold, you pay out-of-pocket for most of your routine care and supplies.
Oscar’s plan is designed for major medical events but becomes less practical for day-to-day diabetes management, where high deductibles prevent you from fully utilizing the plan until significant expenses arise.
2. STELO CGM + HEALDX Overview
Cost: $89/month for the HEALDX platform, which includes STELO CGM.
FSA/HSA Benefits: Use FSA/HSA dollars for 20-30% pre-tax savings on these services, making this a cost-effective solution.
Comprehensive Health Management: HEALDX provides all-in-one diabetes management that goes beyond glucose monitoring:
Real-time glucose tracking with STELO CGM.
Nutritional and meal planning apps.
Activity and sleep monitoring tools.
Expert human support with nutritionists and endocrinologists.
Regular health assessments, including blood tests and personalized health metrics.
3. Cost Comparison: Oscar vs. HEALDX + STELO CGM
Oscar’s Diabetes Care Plan:
Monthly Premiums: $404.07/month x 12 months = $4,848.84/year.
Deductible: $9,100 (before benefits begin).
Total Cost: $4,848.84 (premiums) + $9,100 (deductible) = $13,948.84/year.
If you don’t meet the deductible, you are still covering all your routine diabetes care costs on top of these expenses. That’s a huge financial burden, especially for managing a condition that requires daily attention.
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HEALDX + STELO CGM:
Monthly Subscription: $89/month x 12 months = $1,068/year.
FSA/HSA Savings: Assuming a 20-30% savings using pre-tax dollars, the effective cost would range from $747 to $854/year.
No Deductibles: Since you’re not relying on traditional insurance, there are no deductibles to meet, and you get comprehensive diabetes management from day one.
4. Health Benefits Beyond Glucose Monitoring
With HEALDX + STELO, you’re not just getting a glucose monitor. The platform offers:
Real-time health data: Track how food, exercise, and sleep affect your glucose levels.
Nutritional support: Customized meal plans designed to reverse pre-diabetes and diabetes.
Activity monitoring: Track steps and workouts that help keep blood sugar levels in check.
Sleep tracking: Identify how sleep impacts glucose levels, particularly addressing the Dawn Phenomenon.
By tracking multiple health metrics and offering expert support, HEALDX helps you reverse or manage diabeteseffectively—without waiting for insurance approval or covering hefty deductibles.
5. Long-Term Savings
Oscar’s Plan may cover catastrophic events, but it’s not built for preventative care or daily diabetes management. You’ll likely pay thousands upfront before receiving any benefits. On the other hand, HEALDX focuses on proactive health management, which helps prevent complications before they occur—saving you from future medical bills associated with poorly managed diabetes.
With STELO CGM + HEALDX, you save on:
Doctor’s visits and co-pays.
Prescription fees.
Future medical complications from unmanaged diabetes.
By reversing or controlling diabetes early, you also ensure better long-term health outcomes and significant savings on retirement healthcare cost
Why HEALDX + STELO CGM is the Smarter Financial and Health Choice
When comparing Oscar’s diabetes care insurance plan and HEALDX + STELO CGM, the choice is clear. With Oscar, you’re looking at $13,948.84/year before you receive comprehensive coverage. With HEALDX, you get comprehensive, personalized diabetes management for $747–$854/year after FSA/HSA savings, without having to wait for a deductible to be met.
Investing in STELO CGM and HEALDX gives you the tools to reverse diabetes, manage your health proactively, and save thousands in the long run—without relying on a traditional insurance plan designed for reactive care.
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