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Thanks for all the fabulous comments on my last post.  I got some great suggestions that I was able to follow up on.

 

Going on COBRA is considered an open enrollment event, meaning I can change anything and everything about my coverage.  If I drop to the least benefit plan that still has prescription coverage, I can cover just myself for under $200 a month.

 

Then I can put the kids on a good preventative plan to cover all the well-kid visits, vaccines and inevitable ear infections or pinkeye or strep, the usual stuff that comes up. Hubby can go on a high deductible catastrophic type coverage with an HSA.  We ought to be all covered, at least somewhat, for around $500 a month.  Much more palatable than $1200 a month.  It's still a ridiculous amount, but you really can't go "naked" anymore, since one incident can bankrupt a family.

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To say June was a tough month for us financially is a huge understatement. I won't go into details, but suffice it to say, I found myself getting very creative with how to pay bills and continue to eat and get my meds. Oh, and pay for daycare so I could go to work.
Along the way, because we were living at the bottom of a pit, our life insurance policies lapsed. Naturally, the company sent us a letter, but I was avoiding all envelopes that I didn't believe had money in them. So I overlooked the notice. Furthermore, our insurance agent couldn't get to us until October to fix the problem. So we didn't know until about a month ago that we had been living without life insurance for several months. (READ MORE)

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Additional considerations. Lately, they're making me crazy. Diabetes serves up a plate load of them. Every. Day.
The insulin pump at my hip - and how to keep it dry. The insulin that goes in the pump - and how to keep it cold. My hip-hopping bloodsugar - and how to make it sit somewhat still. The food I eat - and how to keep it from sending my bloodsugar levels soaring. And all the medicine and supplies - and how to pay for them all.
That last is a big deal. A really big deal. (READ MORE)

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Yeah, I know. Duh, right?

I was just reading a post over at Diabetes Daily by Bernard Farrell. He was discussing the astronomical cost of test strips. It is ridiculous that they cost $1 a piece. On an average day, Olivia tests 8 - 10 times. When she's sick, it's even more frequent. That's $10 a day, just in test strips.

The insurance company's answer to this, usually, is "Well, test less frequently." Yeah, you know where you can shove that statement, bucko. Get lost.

But why aren't the insurance companies pushing back on this? Why are they content to let manufacturers charge so freakin' much for test strips? I don't understand it.

I've done this before, but I think it's time to break down what diabetes costs us every month.

-- Approximately $750 for health insurance. Per month. Yeah. Ouch.
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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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I should have known he'd ask about diabetes. Of course he would, I mean he's a rep for an insurance agency for Pete's sake. (Who is Pete, anyway?)

 

I'm on the hunt for short-term health insurance. My new job has a 90-day probation period, which means I don't get health benefits until Sept. 1. I'm currently covered under COBRA, but the premiums are nearly $900 a month for me and the kids. That really puts a dent in the wallet. And really all I need at this point is catastrophic coverage since I have enough pump supplies and meds to get me through and the kids have all had their well-child checks and are up to date on all their shots.

 

The rep had a few questions, he said, before he could get me a quote. I should have just hung up then because I knew he was going to ask about diabetes and I knew that would be the end of it. But I stuck through it, just in case.

 

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At the end of this month, I'll see my endocrinologist for the first time since leaving the hospital with that adorable little bundle of joy. Prior to getting pregnant, I started taking insulin and I'm still on it. When I see the doctor again, I'll have the opportunity to change things up. Now that I'm done breastfeeding, I can go back on oral medications and put the insulin behind me.
Today, I started questioning if I really want to do that. What are the pros and cons of oral meds versus insulin? The obvious is a pill versus a shot, but after 15 months on insulin, I really don't have a problem with needles. Insulin is natural and the only real side effect is low blood sugar. Most oral meds have much worse side effects, like upset stomachs, headaches and rashes, in addition to hypoglycemia. (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.
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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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