My 8 year old daughter is a Type 1 diabetic.She was diagnosed in Sept.2008.This year is a new year and we just started to figure out our budget.The problem is our insurance.
My insurance mandatory me to do the mail order for her insulin.And the mail order is $2700.00 for 3 month supply and thats not counting the syringes,stips,etc.that I have to buy.And my insurance pays up to $4200.00 and then I have to pay the next $4200. out of my pocket before the insurance kicks back in and pays 80% up to $4200. and then it goes back to paying 100%.So right now I get her medicine and supplies free untill we reach $4200. and that will not be long.Then I have to pay the next $4200. out of my pocket.That's $900. a month I have to pay and we do not have it.We are broke now paying our bills and keeping healthy food in the house,gas in our car.And I can not get any financial help because we make to much money but all our money goes to bills (rent,groceries,electric,gas,phone,)As of Jan.1 2009-today the insurance company has paid $3200.00 that means they have $1000.00 left they will pay .Then I start paying out of my pocket and that will be $900.00 + more a month coming out of me until I reach $4200. and then the insurance will pay 80%.
She needs her medicine to survive but how I am going to come up with a extra $900.00 a month.And finding a another job right now so I can work 2 jobs is out of the question with no one hiring and laying people off.I went to social services years ago to get assistance when me and my husband seperated and theyld not help me because I made to much money and now i make more then I did then but still not enough to pay for everything.Me and my husband are back together but with both ou incomes we do not have the money.I am going to try and apply for medicaid for just her and see if we can get it now since her condition is considered chronic disease.But with everyone applying for assistance right now because of the loss of jobs it might be a while before I hear anything.So What am I to do?
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