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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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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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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 want to be healthy. I want to live as long as I can. I want to be complication free. I want to not have diabetes.

 

3 of those 4 statements above I can actually do something about. I can watch what I eat, exercise, and check my blood sugar all the time. I cannot cure myself but if I can take care of the other three then I would be doing pretty good in my book.

 

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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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The new insurance kicks in tomorrow. I am a nervous wreck. I keep bolting up in the middle of the night (OK, not bolting, more like pissing and moaning when the baby wakes me and then unable to get back to sleep) with all these thoughts racing thru my brain. I don't think our state is one that excludes prior conditions, but I don't know if that applies if you've had a lapse in coverage. And does a month qualify as a lapse? Am I going to have to jump thru hoops to make sure Olivia's supplies are covered? Will we have to pay out of pocket for a year? Gaaaaaaaaaah! No wonder I'm so freakin' tired all the time.
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Last week when I emailed my human resources rep about how to interpret the information I got from customer service about what is covered in regard to an insulin pump, the last thing I expected to hear was that as of Jan. 1 we'd have a new insurance company.
I really didn't think much of the insurance switch at the time. In fact, I never really have had such a vested interest in my insurance company until now. The biggest obstacle I saw when S. told me of the switch was that I might not get the same deal on an insulin pump as the customer service guy told me I could get. (READ MORE)

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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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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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It seems like we're going to be without insurance for a couple of months.  The cost of going on now is astronomical but if we wait three months, the company starts to pick up half.  I have an application in for MassHealth for Olivia, but it's going to take a few weeks to kick in, provided they approve it.  Of course, in that time, we're going to need test strips again.  (I have some extra insulin, thanks to Heidi, over at the D-Log Cabin - thank you, Heidi!!)

 

I've been checking around and it seems that Wal-Mart carries something called Reli-On strips and meters.  Do any of you use these?  They are far less expensive than the One Touch Olivia currently uses, which will be a big help as far as costs go.  

 

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