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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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My job will be ending sometime this summer. Consequently, I am investigating our health insurance options. Since hubby is self-employed, we have always covered the family under my work policy.

 

Now, I know that "health care in this country is in crisis"!  I know this is a huge touchpoint for political candidates.  Yes, I know all this intellectually. 

 

Now it's PERSONAL.  COBRA, offered by my employer by federal mandate, is more than a house note EVERY month.  Private insurance is still pricey - more than what we paid on 2 car notes.  And it carries a $2000 deductible per person.  Some sloppy math later and it could be $15,000 a year before they pay any expenses for us.

 

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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 just finished reading this post over on Momocrats. To say that my blood is boiling would be an understatement.

It's no surprise to people with diabetes (or those who carry insurance for said people) that insurance companies make you jump thru hoops for test strips and doctor's visits. My daughter's endocrinologist is no longer covered by either of the health plans we will have at my husband's new job. I'm not sure what we're going to do about that. I certainly can't afford to pay out of pocket for that. Do we switch and only go to Joslin once a year? Olivia loves her endocrinologist. She does not want to switch, but she's not the one footing the bill - my husband and I are and we can't afford the out-of-pocket cost.
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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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Finally, finally, finally, we have health insurance again, which means I can get more strips and more insulin and don't have to go begging.  I hate asking for stuff - it makes me feel like a leach.

 

I didn't realize how much it was stressing me out until those little plastic cards showed up in the mail.  It was literally a weight off my back.  My neck wasn't so tense and my shoulders weren't up around my ears. Such a relief.

 

Of course, Olivia's endo at Joslin isn't covered on this new insurance and most likely won't be, as their condition for covering out-of-network providers is that there can't be any such providers on their books.  Of course there are two endo practices with them.  I have a call in to Olivia's pediatrician to see what she thinks about attempting to get Joslin covered but I'm also going to ask for a referral to the endo group at UMass, in Worcester. 

 

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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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First, let me tell you that I used my very last sensor in February, and didn't even get a full life out of it. I decided to try to different spot on my belly and it wound up being a crap spot because the readings would come in sketchy and after about twoish days I realized most of the adhesive had come off. So I begrudgingly yanked it.

 

But I was in the midst of fighting my insurance company for coverage of my sensors and I was certain that the situation would be resolved soon and that it wouldn't be long until I had replacement sensors. And then one day, like magic, I got word that the sensors were covered. It was like an enormous weight was gone.

 

I quickly took care of the other weight on my shoulders: paying my deductible from the last batch of pump supplies I received. Medtronic said I only needed to pay it in full before I ordered supplies again so I was taking my time.

 

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I refilled two prescriptions this evening. My insurance works best through mail-order prescriptions. It allows me to order 3 months of supplies for a discounted co-pay. It also adds some convenience to this disease since it delivers to my door instead of forcing me to go to the pharmacy and stand in line. I definitely enjoy using a mail-order pharmacy.

 

As I was refilling the prescriptions, the online mail-order system calculated my costs. It totaled my co-pays ($60 for Humalog and $90 for strips). On top of that, it showed me the total costs for both the insulin and the strips. And I have to say that I was amazed. I know that all this is expensive, but it's been awhile since I've considered what my prescriptions actually cost (not my co-pay cost).

 

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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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