I have to switch from Aetna to a new insurance and am looking at United Healthcare as my new insurance plan, with the choice between the private United Healthcare PPO 2500 and the ACA plan, Oxford United. I have a Minimed Paradigm pump and a Dexcom CGM.
I was told by the insurance broker that I should choose the ACA plan, which is about $100 more expensive per month, because the private insurance could deny coverage for the pump and the CGM (even with a prior authorization), whereas the ACA plan could not.
Has anyone had experience with coverage on either plan? Or do you know if it is better to be on ACA versus private?