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 don't think I've ever been more undecided about a health-care issue than I am right now.
 

To DexCom or not to DexCom?
 

Last week, I wrote that I was up in arms about my insurance company saying it wouldn't pay for the DexCom sensors because my policy doesn't have "disposable coverage" and that I was going to fight for the coverage. Today has been a pretty good day, and I've been thinking that I don't really need a CGMS.
 

I know, that's totally weird coming from someone who has been saying for months how beneficial the system would be to my life.
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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 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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A kink already.

I told Mom this morning about my new schedule. The one where my retired mother doesn't have to get up so early any more to be to my house by 7:15 a.m. to take care of the kids before school so The Mr. and I can get to work on time. She loved it, by the way. Also because she knows I need and want to exercise.

Not long after she left the house, though, she called to remind me that my plan to start my new schedule on Monday (I hate starting on Mondays) may need to be rethunk. (rethinked? reconsidered?) No. 1 and No. 2 start their two-week spring break on Monday and they are going to day camp. Camp that's on *my* way to work. Camp that *I* was planning to drop them off at around 7 a.m. on my way to work. Camp that I'm not sure I can convince The Mr. to take them to because it's slightly out of his way and will require him to give up driving his motorcycle to work for two weeks. (READ MORE)

I should have known. I should have known it wouldn't have been as easy as "Now your sensors are covered. Call XX Medical Supply company to order. Call me with questions."
 

So, last time I wrote about this, I was getting some much loved satisfaction regarding finally thinking my insurance company had come to its senses about this disposable coverage crap. I mean, really, they'll pay for the machine but not the parts that make it work? Ugh!
 

So the last email I got from my health advocate, L, said the Medical Supply company had called her and said the disposable sensors were covered under the plan. She broke down the costs based on my deductible and 20% responsibility after the deductible was met. And then basically left it at that, thinking her job was done. And for all I knew it was.
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