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The politically anticipated Iowa caucuses offer a strong foreshadow on who will take lead towards being the next United States president. The two current party front-runners in this race were decided tonight, giving Democrat Barack Obama and Republican Mike Huckabee a head start. Without doubt- health care reform is a hot topic for presidential candidates. This is the look on what Barack Obama and, type-2 diabetic, Mike Huckabee promise in their health care platforms. (READ MORE)

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I don't know a lot about the Canadian universal health care. What I have learned has been in dribs and drabs, culled from friends and from the few Canadian posters to the Children With Diabetes parents email list. I knew it varied from province to province but assumed that most diabetes supplies were covered.

 

And then I read this post by Andrea, over at A Garden of Na Mmoy. She has type 1 diabetes, although she doesn't post about it very often. She has a few other posts about diabetes and she's an eloquent writer no matter what the subject - you should check her out regardless. But that post really opened my eyes to the limits that any insurance, universal or private, puts on our health.

 

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I have voted in every presidential election I've been eligible for. Even casting an absentee ballot my senior year of college, which I believe was my first presidential election. All of which seemed rather obligatory to me. I voted because I was supposed to and because it was my right and privilege to do so.

 

Until this year. I waited in line for about an hour this morning to cast my vote. I've never waited more than several minutes to vote in an election. This is my first presidential election since being diagnosed with diabetes. The first presidential election that I was actually interested in, paid attention to and in some ways looked forward to. The first election where I really looked into the issues to base my vote on how the person in the Oval Office would affect my life.

 

Selfish? Yes. But I have reason to be selfish this year.

 

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I've always been blessed with fairly amazing insurance. My dad worked for the city of Houston for several decades, so our family has always had the group policy with a large subscriber base and it's stayed the same since I was born.

 

After he retired, we kept the same insurance as part of his pension plan. Our co-pays rarely change for either doctors or prescriptions. They pay roughly eighty percent of most procedures and devices. And since I was blessed with a stable income family, I'm able to afford the $45 copays and twenty percent of the pump.

 

But in the last few years and with the new health issues, my health bills seem to be piling up. And with the economy the way it is, I'm starting to stress about how to pay for some of the necessary (and probably not so necessary) items.

 

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One of the issues that crops up with the Mulligan's Stew of insurance benefits that come courtesy of our employers and the States in which we live is the order and manner in which those benefits are applied to the charges incurred by our use of the services covered in those plans. In insurance-company parlance, this is called "Coordination of Care". Back in the days of traditional indemnity plans, medical insurance didn't kick in until after one met an annual deductible, and even then, it was split into two separate policies: normal medical (aka "Blue Cross/Blue Shield") and "Major Medical" (single-incident costs of, in today's money, probably $4000 or more). (READ MORE)

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The theme for this week is "Manage Your Healthcare Team".  For me, and for many others with Type 2 diabetes, this is a laugh. Team? What team? I have a primary care physician who handles everything from soup to nuts, including my diabetes care. She'll refer me to specialists and labs as needed, but she doesn't have any direct correspondence with my ophthalmologist (for whose checkup I am long overdue), and I've never had a CDE or an endo.

 

 

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My husband just switched jobs, which is always a headache when it comes to health insurance. If you are lucky enough to be allowed to start right away, with no waiting period, there's still that period of limbo when the old insurance has been cancelled (and man, they don't waste any time doing that) and when your new insurance is in the system.

 

Of course, Olivia needed insulin while we were in limbo. I went to CVS to pick it up and it was going to cost $335.99 for three bottles of insulin. Needless to say, we can't afford that.

 

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I am lucky. I have insurance. Sure I pay a lot out of pocket each month but the coverage is decent. Especially for my prescriptions. My co-payment is not too bad which I am thankful for since I have not only my insulin and strips for my BG machine to buy but also 4 pills for other ailments. But each January I get shocked by the same surprise.
My $200 deductible. Now I am not fortunate enough to be able to drop 2 "C-notes" here and there. I live pretty much check to check and unless I get an extra $200 for "passing Go" then I am gonna have a problem. Luckily the pharmacy I use is awesome. They gave me one bottle of insulin and are letting me come back on my next payday to pick up and pay for the rest of my order. What life savers, literally. (READ MORE)

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The recession has finally caught up to my employer, who has painstakingly tried to shield us from it as much as possible. However, next month may bring a restructuring that may include layoffs. No one knows yet who may or may not be on the chopping block.
 

I’ve been unemployed before and it sucks. And I don’t want to do it again. But then, I didn’t have diabetes. Then, I didn’t rely on an insulin pump to stay healthy. Now, I think being unemployed would be a much worse situation.
 

When I heard the news about what may happen next month my first thoughts were about how we would continue to pay the two mortgages (no, the house in Missouri hasn’t sold yet!), buy groceries and continue to provide the basics for our family without losing our minds. The thoughts of how I would continue to pay for my health care needs were delayed, strangely.
 

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The start of every semester is difficult. Getting back into the groove of school can be daunting. Some are worse than others though. And this semester is on that list of worst semesters.

 

I'm behind in every class. I've missed weeks of some of my classes. The lab that I'm supposed to be taking...I've never been to. Assignments are beginning to pile up. Tests are starting next week. There's just too much to handle.

 

I know that I could have pushed myself harder. I know that this is a big chunk of my own fault. Yes, the fatigue has been incredibly rotten. My blood sugars have been bouncing up and down. I've had migraines for days on end. And just the general malaise and lack of motivation are enough to make me crawl into bed forever.

 

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