I agree with Laurie/AgilityDog about having to consider your insurance plan deductible before deciding on the best course of action.
Phillips/Alere charges my insurance (CareFirst-BCBS) a whopping $280/month for the full INR Home-test service. This is even more than the $248 amount she quoted. BUT...
CareFirst has a discounted rate negotiated with Phillips, so they (Phillips) write-off the unallowed amount, and only $173/month is actually billed. This is how you get the "deal" you spoke with the accounting department about. You only get the discount if it is run through the insurance and you have that 800 pound gorilla on your side. Even while still paying the amount I'm responsible for until I reach my deductible limit, I "only" pay the discounted negotiated "wholesale" rate of $173, not the full $280 "retail" rate.
But, even $173/month is certainly much more than buying your own meter and strips and bypassing the process entirely.
So, if you have no other medical expenses, or only limited expenses, and you won't max out your deductible, then it makes sense to buy your own strips and not bother with Phillips or the insurance claims.
In my case, however, I expect to exceed my plan deductible with other medical expenses now that I'm in the medical system's cross-hairs with my new artificial valve. So, I'll pay my max deductible no matter what, and it really doesn't matter who I pay the full amount to before I get to the 10% co-pay level.
Being philosophical about it, I consider the true incremental expense to be the 10% co-pay, or $17/month out of pocket for the home-testing service in my particular case.
This only works for me because I am writing off my deductible as gone no matter what. If I were not maxing out my deductible with other expenses, then I would also just buy a meter of my own and use test strips purchased outside the insurance system.
If you have a tax-deductible health savings account (HSA), which you may be allowed to have if you have high-deductible health insurance plan, then you can pay for the meter and test strips from the HSA and the tax savings may help to ease the bite a bit.
My recommendation to go with the full service via the insurance is only valid for folks like myself who expect to max out their deductible with other expenses anyway. Sorry if I sent anyone down a dead-end path.