BCBS/new job. diabetes focus

I just got a new job and have BCBS insurance (of Minnesota)

Since the switch my prescription costs are legitimately 9x higher than they used to be… I am resigned to the fact that I am locked in for the rest of 2022, but we have an upcoming open enrollment for 2023 which gives me another chance to reselect my plan type (PPO or hsa) before the new year.

Upon starting this new job I had signed up for the PPO plan due to the (seemingly) low copay options for prescriptions. Compared to the costs (even the total rx cost of my prescriptions at the last company) I thought I would come out ahead. It turns out, paying a lower percentage is meaningless when their negotiated price for your medication is 10x higher than your previous insurer. With my current plan these high rx copay costs do not even count towards my deductible!

I’m curious how anyone here wisely estimated insurance costs when looking at new insurance plans so that I can do better in the future. What do you look for. How can you estimate when negotiated prices are different for all?

additionally, I cannot get anyone within my company or the insurance customer service to identify what cost categories my prescriptions should be falling under. Is a dexcom (cgm) durable medical equipment or a preferred brand prescription, which diabetes related items are considered preventative, test strips? Insulin it seems is, anything else??

I previously had quartz health insurance and would pay 15$ for dexcom sensors, now spending $195. Just one example.

Tldr, hate my new insurance, if you’re a diabetic and have some insight on what dexcom falls under for your plan lmk, or if anyone knows insurance cost estimating tools that you can link please lmk.