So we moved in July...And moving from a different state means you need new doctors (and pretty soon if you have diabetes).
I already complained about this earlier. IT took us a LONG time to get some health insurance...which means no seeing doctors for a LONG time...
We finally get on medicaid ( yeah, if you are on medicaid, you can only imagine how hard it is to pay for supplies), and in order to see the doc, it takes you waiting at least 4 hours to be seen. I don't know about you, but I don't have that kind of time.
Not only am I busy with keeping my kiddos in order, I am almost out of insulin. ( I couldn't go to the doc for months). We are talking I am TYPE 1 diabetic, with an insulin pump. If my pump accidentally turns off for an hour, I can almost end up in a hospital.
This is bad, very bad. I am not someone who can just control by diet and exercise ( that is not how type one is). Not having insulin isn't something you just"deal with"...IT is dire, it is absolutely necessary, and going with out doesn't just make you feel a little sick, it could kill...and just after a few hours.
So, why then, oh why, do they make it so hard to get? Why do I have to go through so many hoops? I have been insulin dependant diabetic for almost 30 years!! Moving doesn't change anything ( except insurance). I am still me, and still need all my meds. What worked for me in one state, will work for me in another ( medicine wise--unless of course everyone in the state is an idiot and doesn't get the necessity of insulin).
Please someone, I JUST NEED MY INSULIN!
Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Wednesday, February 16, 2011
Saturday, June 12, 2010
Health care (insurance) and Diabetes
Let me start off by saying I truly believe EVERY single person should have healthcare insurance, NO EXCUSE! I don't think anyone needs a pre-existing condition or anything "WRONG" with them to think they need health care ( I say this, because before my husband met me he could care less about healthcare insurance and that blew me away---It is my life, I don't care that you are healthy, you should always be prepared).
Having said that...I don't know how survival is possible without health insurance having diabetes -LITERALLY! I still spend over $100 a month on diabetic supplies WITH insurance ( and we have pretty good coverage)-- imagine without! YIKES!
There was a time in my life where my insurance was unbelievably amazing. I was working in Arizona, and they covered 100% of my supplies. It was really hard when we moved and had to start paying for stuff. Such a shocker to the system.
Then, we found ourselves in job transitions ( and with this economy, of course something like that would happen), which means insurance transitions ( we were also in school, so that complicated things a bit). And if you are diabetic, transferring insurance coverage when you have a pre-existing condition feels almost impossible! That is a concept I never understood--Why people who have pre-existing conditions, the people who need insurance MORE THAN ANYONE who doesn't have a condition ( again, I still think everyone should have it as I first stated, it is just obvious that people with conditions will be using it) struggle to get it.
This topic is being debated among everyone; politicians, working class, everyone alike. No one seems to be able to find a solution to the problem...And even in this post I don't have a solution to offer. I don't think anything that has been presented to date has been working yet. Why have we always had the people who need it be the ones without it? Can someone answer that for me please?
Also, we are now moving states so my husband can start medical school. I will be at home with my children while he goes to school and the top concern is--you guessed it---HEALTH INSURANCE! We can get some through his school for an arm and a leg, and they don't even let us do office visits , just use the school hospital, and barely cover medical supplies. Almost feels better to not have insurance.
Then, there is the other catch, that if I go without insurance for more than 30 days, than I can't get ANY insurance to cover my diabetes ( sometimes there is a waiting period for like 18 months before you can be covered, again, WHAT IS THE POINT if you have to wait that long?)
Another option is doing Cobra from his work (which would cost over $1000 a month) and get minimal coverage in our new state and pay more out of pocket. Whatever route we decide NOT having Health Insurance is NOT and option.
So, we are at a crossroads. I am stressed in ways I have never felt before trying to figure this out ( not to mention having insurance to cover my children's well baby visits which his SCHOOL insurance won't do--they need insurance as well). I may have opened a can of worms by bringing this subject up, or also may have just frustrated myself more as there seems to be NO SOLUTION WHATSOEVER that anyone has come up with in the past (why would it be diff now). So, I would like to hear what someone else has to offer or say about it cause at this point--I GOT NOTHING!
Having said that...I don't know how survival is possible without health insurance having diabetes -LITERALLY! I still spend over $100 a month on diabetic supplies WITH insurance ( and we have pretty good coverage)-- imagine without! YIKES!
There was a time in my life where my insurance was unbelievably amazing. I was working in Arizona, and they covered 100% of my supplies. It was really hard when we moved and had to start paying for stuff. Such a shocker to the system.
Then, we found ourselves in job transitions ( and with this economy, of course something like that would happen), which means insurance transitions ( we were also in school, so that complicated things a bit). And if you are diabetic, transferring insurance coverage when you have a pre-existing condition feels almost impossible! That is a concept I never understood--Why people who have pre-existing conditions, the people who need insurance MORE THAN ANYONE who doesn't have a condition ( again, I still think everyone should have it as I first stated, it is just obvious that people with conditions will be using it) struggle to get it.
This topic is being debated among everyone; politicians, working class, everyone alike. No one seems to be able to find a solution to the problem...And even in this post I don't have a solution to offer. I don't think anything that has been presented to date has been working yet. Why have we always had the people who need it be the ones without it? Can someone answer that for me please?
Also, we are now moving states so my husband can start medical school. I will be at home with my children while he goes to school and the top concern is--you guessed it---HEALTH INSURANCE! We can get some through his school for an arm and a leg, and they don't even let us do office visits , just use the school hospital, and barely cover medical supplies. Almost feels better to not have insurance.
Then, there is the other catch, that if I go without insurance for more than 30 days, than I can't get ANY insurance to cover my diabetes ( sometimes there is a waiting period for like 18 months before you can be covered, again, WHAT IS THE POINT if you have to wait that long?)
Another option is doing Cobra from his work (which would cost over $1000 a month) and get minimal coverage in our new state and pay more out of pocket. Whatever route we decide NOT having Health Insurance is NOT and option.
So, we are at a crossroads. I am stressed in ways I have never felt before trying to figure this out ( not to mention having insurance to cover my children's well baby visits which his SCHOOL insurance won't do--they need insurance as well). I may have opened a can of worms by bringing this subject up, or also may have just frustrated myself more as there seems to be NO SOLUTION WHATSOEVER that anyone has come up with in the past (why would it be diff now). So, I would like to hear what someone else has to offer or say about it cause at this point--I GOT NOTHING!
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