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You watch what you eat. You check your blood sugar levels often. You make time to exercise. All are incredibly important to living a healthy life and managing your diabetes. But what about your health-related finances – are you also managing those, too?

The Center for Disease Control and Prevention (CDC) estimates that people diagnosed with diabetes and its related complications account for $245 billion in total medical costs and lost work/wages a year.1

On an individual level, people with diabetes spend an average of almost $8,000 annually for treatment of their condition – which is more than twice as much as the medical costs for people without diabetes. Plus, that annual total doesn’t include the costs of medical complications that can arise from type 2 diabetes.2

If you’re living with diabetes, here are three smart, money-saving tips to help protect yourself financially.

Shop Online & Save Instantly

Bypass the local pharmacy and shop online for the biggest savings. Not only can you order supplies in bulk, but you can also save time and money instead of waiting to fill prescriptions.

Before you complete your order, make sure to employ smart online shopping behaviors. Be aware of where you’re shopping and what you’re purchasing online. Use reputable sites, like and, to verify the credentials of online pharmacies and compare prices.3

Another cost-cutting tip: Investigate whether buying multiple prescriptions at once will reduce shipping costs.

Skip Processed Foods & Prep Meals At-Home

Processed foods may be convenient – especially if your glucose numbers start to drop – but the convenience factor ends there.

In the short term, these nutrition-empty foods leave your wallet lighter and your waist wider. And in the long term, recent studies show that processed foods are linked to many common preventable diseases, including heart disease, certain cancers and obesity.

Instead, opt for more nutritious meals prepared at home. Making healthy food choices is easier when you’re in control of what’s on the menu. Choose foods with a wide variety of colors and textures, and in their most natural form possible. Talk with your doctor or dietitian to create a meal plan that works best for you.

Explore programs that provide savings on healthy food purchases at the grocery store.

Be Proactive Today While Planning (and Saving) for Tomorrow

As the saying goes, “The best medicine is prevention.” Since knowledge about diabetes is constantly evolving, it’s crucial to educate yourself on your condition and learn as much as you can about all aspects of your self-care. This includes everything from protecting yourself from a health standpoint to a financial one.

Seek education on how to safeguard yourself from other risks and complications. You’ll want to check in regularly with your health care team – including your primary care provider, nurse educator and registered dietitian, as well as your endocrinologist, eye doctor and podiatrist.4 

Be sure to also protect your financial future. Life insurance is one of the most important purchases that you’ll ever make for the ones you love. With the John Hancock life insurance with Vitality, you can get rewarded for your healthy lifestyle and the things you already do to manage your diabetes. Plus, you can save up to 15% each year, and earn rewards and discounts for exercising and eating well.

Learn more about your financial future with the life insurance that pays you back now.


Premium savings are in comparison to the same John Hancock policy without the Vitality program. Annual premium savings will vary based upon policy type, the terms of the policy, and the level of the insured's participation in the John Hancock Vitality program. Vitality is the provider of the John Hancock Vitality Program in connection with policies issued by John Hancock. Insurance products are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA 02210 (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY 10595.

1 Centers for Disease Control and Prevention. (2014, June 10). More than 29 million American have diabetes; 1 in 4 doesn’t know. CDC. Retrieved from

2 American Diabetes Association. (2015, June 22). The cost of diabetes. ADA. Retrieved from

3 O’Donnell, K. (2013, August 2). Buying prescription drugs online without getting burned. Bloomberg Businessweek. Retrieved from

4 “Your health care team.” American Diabetes Association.

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