Here in the USA, it's frowned upon by the industry to monitor yourself ... so insurance companies generally won't cover your POS INR machine as well as not covering your test strips.
The attitude towards home testing and experience of members of this forum varies quite a bit, but it is not the concept of home INR monitoring that is frowned upon. It is the direct purchase of devices/supplies that is not supported.
I started home testing 15 years ago with full support of my cardiologist and insurance. It was unusual at the time (I was only the 2nd person at my clinic to do this), but it has become quite common locally since then. I don't know if there were any INR home testing
services at the time, but I was aware of several options for direct purchase of equipment and supplies.
My first device was a HemoSense (Alere) INRatio. Cost was 80% covered by insurance. Test strips were covered 80% as well. Eventually that system was taken off the market due to multiple issues with the device and strips. I think that was around 2015-2016.
My second device was a Coaguchek XS which I purchased outside of insurance. By that time, the services had come on the market and my insurance steered me toward that. I could have gone with one of the services covered by my insurance, but I found multiple medical suppliers who would sell the device and strips directly to patients, so I went that route even though direct purchase was not covered by my insurance. I estimated long term cost to be less even though I had to buy the device up front. My cardio was supportive as long as I communicated my INR to them.
By early 2021, I was unable to find medical suppliers who sold the test strips direct to patients and I was not comfortable buying strips from eBay, so I switched to the Remote INR service which is covered by my insurance plan. It is more expensive than what I paid before, but the cost will go down once I'm on Medicare. Medicare has been covering home INR testing for long term warfarin patients since 2008 and for mechanical valve patients since 2002.
This is speculation, but what I think what has occurred in the US is that health insurance companies only support home testing via INR monitoring services rather than direct purchase of devices and strips in order to minimize risk and enforce compliance of test frequency. The service companies require patients to test at least every 2 weeks and log results with the service company. The INR results are then transmitted to the patient's Cardio. Patients who don't comply with the test frequency and INR logging will not be allowed to continue in the program. At least that's what I've been told.
My personal experience is the US health care industry fully supports home INR testing, but only via the test service model.
Direct purchase of device and supplies is where we are limited and that is most likely due to risk and liability mitigation decisions made by health insurance and/or healthcare providers (
and their lawyers)