The cost of care – How to manage diabetes on a tight budget

Managing diabetes isn’t easy, especially when trying to stick to a budget.

When I was first diagnosed, I went to the pharmacy to pick up my medication and supplies and nearly fainted when I saw the bill – The cost of insulin, test strips, and a glucometer was more than I’d budgeted for groceries that month.

I knew immediately that I’d have to get creative and proactive to manage my diabetes within my budget.

If you find yourself in a similar situation, hopefully you’ll find these tips helpful:

#1 – Research insurance options carefully and check for hidden costs

When considering insurance, take your time and check carefully to make sure everything you need is covered.

It’s not easy and can feel like you’re trying to work through a puzzle in another language, but it’s important. For example, one plan I considered covered insulin but not the brand prescribed by my doctor. Another covered test strips, but only up to a certain number.

I quickly learned to call ahead, ask questions and, if necessary, ask my doctor to switch my prescription to a generic or more affordable option (which was covered by my insurance).

#2 – Look out for offers and buy in bulk when possible

Whenever my funds allow, I try to buy in bulk – My bulk purchases include test strips, lancets, and even non-perishable diabetic snacks.

I also found that some pharmacies and online suppliers offered discount programs or coupons.

Taking advantage of discount programs and coupons and buying in bulk reduces the monthly cost of my diabetes management. I use them as much as I can to make things easier and cheaper.

#3 – Shop smart for healthy food

The biggest challenge for me is managing my diet. Eating healthy food is a key part of good diabetes management, but have you seen the price of fresh berries lately?

To face these challenges, I started shopping ‘smart’. I buy frozen vegetables instead of fresh, seek out canned goods, and shop in bulk for whole grains like brown rice and oats. I also cook meals in large batches (like lentil stew or veggie-packed curries) to make my money go further.

It’s not always exciting, but it’s nutritious and affordable.

#4 – Take advantage of community resources and support

When your money is tight, free (or discounted) help can be a godsend.

Where I live, local diabetes support groups and health clinics often provide free or discounted supplies. Some even host cooking classes or give out recipe books tailored to people with diabetes – These resources are lifesavers.

I also joined online communities where people share tips on how to save money on medications, food and even fitness. Being part of these communities gives me access to useful advice and also makes my journey feel less isolating.

#5 – Recognise that mental health comes at a cost

Managing the financial stress of my diabetes affects my mental health. There are days when I feel defeated, wondering if I’ll have to choose between rent and test strips – This kind of pressure takes a toll.

To stay grounded, I started practising mindfulness and journaling.

It’s not a perfect solution, but it helps me process the emotional burden.

#6 – Make trade-offs and ask for help

There have been times I’ve had to make tough choices – For example, skip the name-brand meter, delay a doctor’s visit, or give up a gym membership and fall back on walking around the block instead.

None of these sacrifices are ideal, but they’re realistic.

I also learned to open up to family and close friends. One cousin (also diabetic) shared her extra supplies with me. One of my neighbours who has a garden shares their vegetables with me – It’s not easy to ask, but it helps and reminds me I’m not alone.

Final thoughts

If you’re in a similar position, struggling to balance diabetes and financial management, know that it’s okay to struggle. It’s okay to feel overwhelmed and to find pride in small victories. For example:

• Making a home-cooked meal that keeps your sugar stable
• Finding a doctor who listens and helps you manage your treatment within your budget
• Sharing your challenges with a friend, who in turn shares their last box of test strips with you.

You’re not alone, and hopefully some of these tips that helped me manage can help you.