I asked my insurance rep why they would cover 80% of my pump supplies and not my insulin when in actuality I wouldn't need my insulin pump if I didn't require the insulin (which fills said insulin pump) on a daily basis. Are you following? She had no real answer for me - besides the fact that those were the rules of my policy.
Let me just share the fact that I am charged $124.00 for two bottles of insulin per month - out of pocket -sometimes more, depending upon how generous they are feeling. I'm reimbursed exactly 40 %, $49.50 to be exact. At this rate, my credit card will never see a zero balance.