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December 2nd, 2008
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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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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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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.

 

(READ MORE)


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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.

 

(READ MORE)


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 CGMS Denial Day

 

 

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.

 

(READ MORE)


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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.

 

(READ MORE)


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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.
(READ MORE)


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I arrived home from work on Monday night to a very brightly colored, giant-sized envelope from Smiths Medical.  'Important Information' it declared.  'Open Immediately!'

 

So I did.  And read:  Your current Cozmore System warranty expires in December of 2008.  Please begin the process of replacing your pump immediately, as we will be unable to replace your pump should something go wrong after December 9, 2008.  Alright then.  

 

The very next day, I went online and printed out both an Insurance Information form and a Medical Necessity Form.  I filled out the first form, signed and sent to Smiths.  Then I faxed the second form to my Doc (who is amazing) and by that afternoon, it was filled out and faxed to Smiths.  Great.  I'm on my way to a new pump.  Right?

 

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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.
(READ MORE)


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So I try to be a good person with diabetes who sees his doctor when he is supposed to. Who gets his lab work done every three months. One who checks his blood glucose level six to eight times a day. All that good stuff.
So as a pump user, I am told to order my supplies when I open my last box. That was almost a month ago and guess what I did when I opened my last box?
Yup. I went online and ordered my three month supply of infusion sets and reservoirs. I should be good to go. I pat myself on the back and wait for a conformation email to arrive.
Like a prom night flashback, I wait and wait to hear from someone while my heart sinks deeper into the "why me" realm as time ticks by. (READ MORE)


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Lindsey Guerin
Lindsey is a typical, yet unique, Texas girl who loves shopping, movies and reading. She loves to travel and take risks. She dreams of diabetes cures, never-ending cheesecake and her own airplane. The rest you can discover in her blog!(Read More)

Latest Posts: Does My Cat Know I'm Low? | B.B. King's Lows | Turkey Boluses

Rebecca Abma
What happens when a health writer develops a chronic illness? As Rebecca K. Abma can tell you, it turns into an obsession. Since being diagnosed with type 2 diabetes in December 2003, 90 percent of her non-work computer time is spent researching the disease and chatting with fellow diabetics. (Read More)

Latest Posts: Mail Order Madness | Dreaming of Diabetes | Superstitious

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