Do you qualify?

CALpumper
By CALpumper Latest Reply 2008-11-08 16:45:51 -0600
Started 2008-03-18 12:02:04 -0500

There is an array of different users on the site now so I thought I would ask, do you have health insurance?

From what I can see, most are out West. I am in the far East, Central New York (or Upstate New York). I have been without health insurance for almost a year now. It has been a struggle. In my county I do not qualify for Medicaid because I make too much money (even though I need a life sustaining medication). The state offers other programs but again, I make too much money.

Pretty much after 6 months of searching I concluded that unless I was out on the street, in the hospital close to death or pregnant, I could/would not get help.

What about those people that find a great job that happens to not offer health insurance? Or those that are trying to live their life, help others and well just live?

I am a good citizen. I follow the laws. I pay my taxes. I vote.
Why should I suffer because I finally found a job that suits my health needs (minus the no health insurance)?

Why should anyone who needs health insurance suffer?


54 replies

sparkysmom
sparkysmom 2008-10-08 13:19:29 -0500 Report

Luckily my Hubby has insurance at work. It is fairly decent but some things we have to fight for. My Drs are good about going to bat for me. It took 4 months to convince the insurance that I really did need the knee replacement and sometimes it is a struggle to get my CPAP stuff and diabetes testing equipment. Since I had to quit working and go on SSI it has been a struggle but we manage for the most part.

Debe Pendice
Debe Pendice 2008-10-28 22:42:35 -0500 Report

I was put on Medicare when I started dialysis. I pay for my secondary insurances $440 a month. I have no dental or drug coverage. I am fortunate that I have MDs that go out of their way to supply me with some of my expensive medicine. I don't receive assistance because I live with my Mother.

teddybearcub1960
teddybearcub1960 2008-10-08 12:33:41 -0500 Report

And even if you do get insurance thru work and you have any conditions they will tell you that you are not covered for a period of time. That's what we are going thru right now, thank goodness that we are on medicaid right now or I wouldn't be able to get my medicine. I called medicaid today to get the paper you need to show them that I have been insured had insurance so they will pay for my medical. Having no insurance or any medical problems you had before insurance.

Tricia - 14336
Tricia - 14336 2008-08-02 07:01:34 -0500 Report

Have you tried to contact the company who makes your medicine? I have not tried as far as my diabetes medication, but I get my antidepressants free from the company itself. Every year I have to verify that I don't have insurance and show them a W-2. I get 3 months at a time on my antidepressants. This would normally cost me around $130.00 a month…Maybe you could try this? I know alot of manufacturers do it…

Charish
Charish 2008-07-31 09:27:32 -0500 Report

Being that I'm Pre-diabetic I don't have to use insulin just yet but I still understand the importance to getting help for the supplies that you need. I've watched the struggles of my mom getting the supplies that's needed to manage her Type-2 diabetes. I remember having many nights of being up searching the net and many tears shedded because there was so little help out there, and when you finally find the light at the end of the tunnel, the door would just close as soon as you reach it. It's heart breaking to see people go through this. And even with myself I will need the testing supplies which I've already started researching for assistance with that and the other meds that I take. The Wal-Mart $4.00 program has been a big help. The Partnership Prescription Assistance program, and that number is 1-888-477-2669, I pray and hopefully will provide further assistance for me. I hope for those who haven't heard of the PPA program will give them a call to see if there is assistance for them there.

I found that Abbott the makers of my Free Style meter also has a program in place that will assist in getting your supplies there number is 1-888-522-5226 and the Patient Assistants Program is 1-866-972-7863 just inform them of your need of assistance and they will send you the necessary form to fill out.

I feel that the more we learn out there and willingly share with our family here then there will be an open field of help for each of us. That's what it's all about having that desire to reach out and help others who are in need like yourself.

I hope the info will be helpful and take care guys.

Hugs and Kisses

Charish

CALpumper
CALpumper 2008-07-31 16:34:27 -0500 Report

Hi Charish,

Thank you for your comment. Very information, thank you!

On the other side of your situation I hate that my mom worries about me. I know she wishes there was a quick and easy solution. She is very positive, upbeat and SO supportive of whatever situation comes up and Always offers to help. I don't know what I would do without her. It pains me so that she worries.

I will check out some of those numbers/programs you provided. And I am so on board and totally agree with the sharing and sharing alike. ;-) Support is So important when it comes to dealing with a chronic illness.

I wish you the best in your pre-diabetes stage. I have a feeling you will do great with it, for lack of a better phrase or string of words to use.

Thank you again.

Will keep you all posted. ;-)

Charish
Charish 2008-08-02 10:36:48 -0500 Report

Hi Cal,

Thanks for your words of encouragement and I do understad the worries that other have you as I have those that are concern with me. But I've always been a fighter and given up is not the option for me. I have accepted early and I have been working hard since April this year the month of my acceptance. But I have a very concerned doctor who truly cares for his patients with him and my determination I think that I will be just fine. And having beautiful friends like you is certainly a positive help.

Take care … Hugs and Kisses

azmisty
azmisty 2008-07-31 08:29:30 -0500 Report

Hi Crystal:

Your conversation topic points out how totally broken are health care system is. I guess that all we can hope is that someone in the new administration can get things on track. Seems pretty doubtful…but let's just keep raising our voices until they do…

Misty

CALpumper
CALpumper 2008-07-31 16:31:10 -0500 Report

Raising my voice until it gives out Misty!

Thanks for the comment. I don't give in or up easily but day after day it wears on you. Chin up though. Always. ;-)

JoJoCooks
JoJoCooks 2008-07-23 08:09:40 -0500 Report

I completely agree..its crazy. I also live in New York, but I am lucky that I have insurance through my husband's job. But it is also an HMO so I have to make sure that I have a referal for this and that..and the copays for the medicine can get high. I am just trying to deal with it the best I can. Have you looked in to Health Plus??

Jo

CALpumper
CALpumper 2008-07-23 15:19:57 -0500 Report

Hi all…

Things are different for a Type 1. I need insulin ($180 retail per bottle) BUT luckily I am in the Lilly Cares Program and get FREE insulin for a year. Unfortunately, that year will be up soon, a couple months.

OH I LOVE Walmart's $4 scrips! Woo hoo! But none of the scrips I get from them as prescribed by a doc have anything to do with my diabetes. Anxiety, antibiotics and pain meds as needed if something comes up. Not complaining, so glad this program is out there for Everyone!

The biggest problem is the infusion sets for my Animas pump. Luckily the sales rep that visits my Endo's office offers up some Great samples!!! I am set for awhile…
Otherwise, retail is $135 on average for TEN. Which is supposed to be a month's supply. I make them last longer. Girl's gotta do what a girl's gotta do.

The BIGGEST BADDEST problem are those pesky test strips. If I do not know what my blood sugar level is, I cannot administer the correct amount of insulin. Plain and simple yet companies make it SO difficult. Again, luckily between my Endo and some friends I got a huge supply of test strips for 3 different meters. Unfortunately, I am down to about 120. They will go Quick too! I am on a quest to ask my Endo and friends for more help.

The issue with No health insurance are the doctor appts. The things I should be doing once a year, twice or three times are put off because on average the cost for the visit and subsequent labs are around $120. Does not sound like a lot huh. Not to some.

I live alone. ALONE. I am ON MY OWN. Sorry for the caps, I get a bit fired up sometimes. It is all on me. I have a GREAT job and a more amazing boss. Just no insurance YET. Once I find someone to Listen to me and get info, I will make a decision on a health insurance plan and my boss will contribute. Getting a hold of someone not the easiest thing. I have run into problems. Getting someone to Listen? Whole other story. I have contacted everyone I know, including my local ADA. I have worked hard on this. Very hard. I have tried, read, researched, applied to everything I could.

There is no overnight solution. It is not simple. If it was, I would have never started this discussion or added any comments.

I was denied Medicare last year. I make too much money for Family Health Plus (the individual plan, ya know the "in your face you are a woman almost 30, lives alone, no husband, no child Plan oh and lucky you, a pre-existing chronic liability". Nice, thanks for the reminder.)

Crazy thing is, I work 25 hours a week at a darn good pay rate. But BUT I make hardly ANY money. I have bills like everyone else. Still paying off two education loans, not complaining, TOtally worth it. Not a lot monthly but it adds up. I have a great place that I love, not a bad monthly rent in the area I live in. Etc etc. Oh and the food I need, misc items etc etc. Did I mention etc etc?

We all have our bills. We all have our lives. We all have our issues.

For me personally I am the "go between." I am in the minority as a Type 1. I am not under my parents insurance anymore. I am not married. I don't work for a Big company. And I am not eligible for MediCare. Fun. ;-)

But damned me for living My Life. For being a good citizen. For paying my taxes (no tax breaks for the lonely woman!). For following the laws. For working. For having a place to live. For taking care of myself despite everything. I have not been in the hospital in years. For my volunteering, for my advocating.

I accepted last year that I was going to struggle and most likely alone.
I am thankful to Diabetic Connect and the wonderful people I have encountered and emailed with, commented with, discussed with. But at the end of the day, I am still alone. Without health insurance. And it just plain sucks.

But it won't keep me from trying. From living My Life. From doing the things I love.

Thank you to everyone who has replied to this discussion. Thank you for your insight, your advice, your well wishes and continued support.

Sorry if I went "off" a bit. I try not to think about it too much or my blood sugar will just Drop. And that is fun for No One.

Thank You again. ;-)
PUMPed UP and worn out…living with T1 and advocating One Day At A Time.

JoJoCooks
JoJoCooks 2008-07-24 01:00:59 -0500 Report

I really hope things get better for you. I know how hard it can be. Just know that we are all here for you with advice, support..and if you need to bitch, you need to bitch..we are all here to listen. Keep your head up and keep trying…things are bound to change.

Hugs,

Jo

JoJoCooks
JoJoCooks 2008-07-24 06:05:03 -0500 Report

No problem…we are all here for you :) Please keep me updated on your progress. Where in NY do you live?? I'm in the Bronx :)

Hugs :)

CALpumper
CALpumper 2008-07-31 16:30:06 -0500 Report

Thank you again Jo.

Central New York. Upstate, ya know that part of the state that exists outside of The City, ha ha. ;-) Near Syracuse.

JoJoCooks
JoJoCooks 2008-08-04 01:18:40 -0500 Report

LOL..yes I know that part of NY well. Have friends that go to school up there. I hope that things are going ok for you…any luck yet??

Jo

DonnaAnn
DonnaAnn 2008-07-21 22:56:35 -0500 Report

From what I have read so far, many people have gotten their insurance thru their jobs or their spouses jobs. But, jobs are harder and harder to get now adays, and the ones you can get pay minimum wage and offer no benefits except some vacation time. I am currently on my husband insurance plan, but one the divorce goes thru, i wont have any and am self employed. It will cost me 500 dollars a month to get a plan because of my conditions and I will have to pay 1500 up front! I did find however, there are programs to help people like me so I do not have to put a lien on my home. Here in CT there is a program called CHARTER OAK. Stores now a days also give you prescriptions for 4 dollars. Donty give up, there are programs out there.

morris.js
morris.js 2008-07-21 23:19:37 -0500 Report

Donna brings up a good point about the $4.00 prescriptions thru places like WalMart and Giant Eagle. These are only for the generics, but as time goes on, more and more of the oral meds are out in generic form. Also those places are now offering 90 day supplies for $9 or $10.
Those that do have insurance, and have copoays bigger than $4, I suggest you do not put your generic meds on your insurance cards. Just go for the $4 specials…LOL This is not illegal or imoral. If you show your insurance card, they are always going to charge you the higher copay even if it is a drug that can qualify for the $4 price. Take advantage of all that is available to you.

BobMWade
BobMWade 2008-07-22 14:30:51 -0500 Report

I'm self-employed and have tried obtaining health insurance by 3 of the major companies, all 3 turned me down because of the diabetes. I do get my oral meds pretty cheap but the insulin is around $200 a month. My doctor suggested waiting and then re-applying for health insurance without telling them about the diabetes, because they didn't call her to verify anything.

DonnaAnn
DonnaAnn 2008-07-22 22:53:20 -0500 Report

So, what happens if you have to go to the hospital for a diabetic emergency? And you did not tell them. That would be my luck, I always get caught in a lie!

morris.js
morris.js 2008-07-23 01:38:44 -0500 Report

Bob, I can assure you that any insurance company would know about your Diabetes even without you or your doctor telling them. Almost all the big companies use a source of information that tracks each and every prescription that you have ever gotten over the last few years. Even if you did not get the prescription filled, it shows up on the record. I'm sorry to say "Big Brother is watching". Even if they do not use this prescritpion tracking service, they will certainly be using the Medical Information Bureau which is nothing but a place for all insures to share information about clients or those that they have rejected. Your denied applications with those 3 companies will be a part of that record.
I'm sorry to tell you this, but like Donna says, even if they somehow miss it and you go to the hospital for something related to the Diabetes, you could very well be liable.
I know this because I've been an independent contractor for several insurance companies.
John

morris.js
morris.js 2008-07-16 03:09:08 -0500 Report

Steadb and Amy,
We all aprreciate your continued efforts to help those of us without insurance. You have already help all of us so much with the creation of this site!!! Do not feel that your efforts are in vain, I have talked with many people here that would of been truly lost if it had not been for the creation of this community.
Thank you, thank you, thank you!!!

steadb
steadb 2008-07-16 04:17:42 -0500 Report

Thanks, Morris. We are in this together. My thanks are as gracious coming right back at you, Cal, and John, and others. We are just as indebted to you.

Amy Tenderich
Amy Tenderich 2008-07-19 17:26:06 -0500 Report

Absolutely. Just so you all know, we are having many discussions about how to reach out and help those who don't have adequate coverage. It just takes time to "move the needle," as they say...

Amy Tenderich
Amy Tenderich 2008-07-07 10:59:34 -0500 Report

Hi CAL,

Just wanted to let you know that I did a post today on some programs that offer assistance to the uninsured.
I reference this discussion.

See
http://www.diabetesmine.com/2008/07/when-your-diabetes-is-just-too-expensive.html

Best,
AmyT

Elfin
Elfin 2008-07-08 04:47:18 -0500 Report

Amy, thanks for the link. My daughter has no insurance and could use financial help! I just sent her the link. elfin

CALpumper
CALpumper 2008-07-16 02:24:58 -0500 Report

Thanks Amy.
It is one of the many programs I have looked into and it has fallen through for one reason or another.

I'll keep on truckin' though.

steadb
steadb 2008-07-16 02:45:11 -0500 Report

Nice to see you again, Cal. We are continuing to try to work on services for our members. It may take a while because there haven't been many organizations that are set up to find valuable ways to help patients who are engaged. We are working on that.

A smart healthcare person said to me the other day…that unlike so many industries where the consumer is king…in healthcare, the consumer is a secondary part of the process…the real "buyer" is the health plan or in many cases the doc. Our bodies are simply the vessel that they put their products or services into or on. Therefore, everyone caters to or "colludes" with the plans or the docs…at your expense.

At Diabetic Connect, we are hoping to collude with you. In our model, the plans and docs are secondary. Its about you, the products and services that may be relevant to you, and finding a way for you to save money, manage your health better, and potentially earn money the more engaged you are. Cal, someone like you, who is as engaged and knowledgeable as you are…we are fighting to find ways to help you in your journey. Unfortunately, it will take some time before we get the existing players to play ball with us. It is starting though…behind the scenes.

Enough of the pitch. Great to see you again.

Stead

CALpumper
CALpumper 2008-07-18 06:55:43 -0500 Report

Thank You Stead!!!!!

And morris.js is right. Nothing here is in vain. You all have done SO much for PWDs! SOOOO much! I cannot thank you enough for the support and encouragement. Thank You just does not begin to cover what I truly feel for being part of this community.

Thank you for the "welcome back." It means a lot. It will still be a "here and there" as I continue to recover but know that I am always thinking of the community and how I can help from my own experience.

So since I cannot find better words, this will have to do: (takin' it from where you left off morris.js)
!!!!!!THANK YOU! THANK YOU! THANK YOU!!!!!!

WORI
WORI 2008-06-16 07:18:15 -0500 Report

Reading everyones insurance stories, at least I don't feel so much alone. I don't qualify for medicade becuz I'm to old and don't qualify for medicare becuz I'm to young. Even when my SSDI goes into effect I have to wait 2 years to get medicare. I only get $230. a month from state disability while my SSDI is pending.

Is this the same country that won't let you die if you wanted too but will let you die if you want to live? I don't get it !!!!!

butterfly_8
butterfly_8 2008-07-02 15:35:10 -0500 Report

I am sort of lucky. I am retired and have medicare plus private Insurance.plus isurance fro past employer. What is crazy is the fact the Dr.see me as agood thing and try to see how much they can take me for.with excessive appts.and referrals. If I di not have all these policies i would not be so popular.

DiabetesDiva
DiabetesDiva 2008-07-02 15:56:49 -0500 Report

I am very fortunate that my husband works for the county. He pays about $75 a month for an HMO. It would be 0 if we chose Kaiser. Office visits are $5 and rx range from $5-$20.
Xrays, catscans, MRIs, mammograms, etc. There is no cost for my lancets & strips. Everyone deserves insurance! My friend that passed away in May, was laid off from her job and then was unable to work due to depression. She had no insurance, so was not able to have regular check ups. Her upset stomach turned out to be a bleeding ulcer. The operation did not save her life. She was only 53. This would not have happened if she had access to doctors. I would be willing to pay more in taxes to have affordable healthcare for everyone.

Elfin
Elfin 2008-07-02 23:40:37 -0500 Report

After reading all the comments I just have to feel I am fortunate. I receive Medicare for $45 per month + 192.00 for medicare suppliment and $30 for part D coverage. Let me see that amounts to $267 a month. So medicare coverage is not exactly free. I will fall in the donut whole too and then I have to add about $400 a month for meds and supplies. No wonder I'm always broke.
Seems like the "golden years" mean gold years for doctors, pharmaceutical firms etc ;-)

caspersmama
caspersmama 2008-10-09 04:27:27 -0500 Report

Are you sure about that? I got Social Security Disability 3 years ago and immediately qualified for Medicare. I was 47 at the time. I have private insursance thru my hubby's work and Medicare is my secondary which it covers my co=pays at the Doctor and specialists. We have prescirption insurance so I have not switched to Part Dn medicare for meds but my Doctor said if I did the meds would be even cheaper than what I pay now. So we are in open enrollment now so I have appt monday to discuss my options of switching.

Dancehawk
Dancehawk 2008-06-14 04:42:50 -0500 Report

I am lucky my hubby has ins through work that covers me, we pay about 300 a month out of his checks for it, plus about another 150 a month for my meds, then 20 copay for office visits, 186.00 for lab.
Now my brother he lost his health ins, and aflack ran out, so he is on medicare, there is a lot not covered by it.
With the high cost of fuel and food he has reached a point of choosing, meds or feeding his family.
The sad thing about everything is if they were not from here and came here they would have free medical.
We as a nation really need to redo our health care program, do like Canada, or europe.
My hubbys contract is Up this month there in negotiations if they choose not to keep the guys then I ll be with out health care too.
This is a very scarry time we live in.

Dance

bricksee
bricksee 2008-06-16 07:00:01 -0500 Report

Dance,

Do I ever understand. Like I said, my meds. alone (although covered by insurance before in 2007) were over $16,000, and our our of pocket was $1,500. Now all of that has changed. We are currently in the "donut hole." So now we go to catastrophic coverage. Yes, I am disabled/retired, worked for the same company for just two months short of 40 years and here hubby is 73 and I am now 65 - great isn't it being a senior citizen and having to worry about not only my health, the economy, but all this hulabaloo about insurance as well!

bricksee
bricksee 2008-06-14 04:24:12 -0500 Report

I'm retired/disabled (at 61), now 65, but I do receive insurance through my work, although now Medicare is considered my primary insurance. However, a monthly amount is deducted from my retirement check to cover a portion of the expense (*SIGH*, it used to be 100% covered — everything is changing these days).

Also agree with comments made by "Anonymous" about socialized medicine in this country — we'd be taxed at a rate so high it would just be terrible (the rate in NL and Canada is very high), plus you have to "wait" to be seen, etc. Our current system does need some modification, but don't think socialized medicine is the answer, imho.

blessedmom44
blessedmom44 2008-06-09 12:37:18 -0500 Report

Hi-What a pain. I don't have it and my daughter can't get healthy kids because make too much money which isn't much. Its really hard,I am right there with you! Good luck.

ncnurse1459
ncnurse1459 2008-06-07 18:02:52 -0500 Report

Hey, I feel the same way you do, and what this country needs now, I really beleive, is the same type of health care that some European countries offer, universal health care, free to everyone, no matter who they are, where they are, how much they make, their age, or their heredity. Maybe we can get some more input into congress some how ?

Anonymous
Anonymous 2008-06-09 07:39:45 -0500 Report

Alas, the downside of European socialized medicine is that their overall tax bill is a killer. Also note, that over there, there is a strong work ethic, and if you don't (read that Can't) work, due to Dr.'s appointments, infusions, tests, etc. you are SoL.

CoopJ
CoopJ 2008-05-26 15:41:34 -0500 Report

From what I am seeing, I should consider myself lucky. I have health ins through my employer. It cost me about $400 a Month to cover myself, my wife and 2 kids. I pay a $30 co-pay for each med/test supply per month with no deductable. Office Visits are also $30 Co-pay. I also use Mail order Pharmacy and pay for two months and get the third for free. 90 Day Supply for 2 co-pays. I am considering using a Pump and do know that it is not 100% covered but all supplies are. Other than that, It is great ins. BC/BS of Florida

Ginetteb
Ginetteb 2008-05-26 16:05:11 -0500 Report

I feel very fortunate. I was diagnosed with diabetes while employed. So my employer supplied the insurance and it did not cost me any more. I retired from the same company and my insurance premium for my husband and myself is about $330 per month. I still think it's pretty high, but it does cover my medicine as well. The co-pay on medicine depends on what it is, some are only $4 and others can be as high as $50.

HOWEVER…I am a legal immigrant, I do have a resident Visa and I am a Canadian. In Canada I had social medicine, and no Canada is not a socialist country. Canada is much like the US. It is a democratic country with freedom of speach, etc. etc.

It was very comforting to know that if I had to see a doctor, or be hospitalized, I did not have to worry about losing my house or everything I own to pay the bills. And NO if you have a life threathening illness, you did not die for lack of medical help. I you had elective surgery yes, you would wait. BUT I've been in emergency rooms here in the US and I can tell you that you wait just as long if not longer than at home. When I get in a doctor's office, I also wait and wait and wait. So, I could not vote when Clinton proposed the social medicine bill, but if I could I would have said yes.

Wouldn't it be nice if you did not have to worry about medical cost on top of worrying about all that's wrong with our bodies!!!!!

jupton1
jupton1 2008-05-22 11:52:45 -0500 Report

I make to much money also,so I right my gas off,all medical and other things.After I meet a 370 dollar a month spindown they pay 100%…

patti
patti 2008-05-02 02:24:11 -0500 Report

I had health ins through my job until 2004 when i had to retire(due to hubby's health disabled vet)I was very blessed to be able to obtain ins for our daughter and myself through CHAMPVA. Before my copays for meds and supplies were appox 350.00 a month, now my meds and supplies are free if I go through mailorder. It is just my dr bills are high now…

Jonathan - 13553
Jonathan - 13553 2008-04-08 08:57:07 -0500 Report

Health insurance is so difficult to get for us, if not through a job. I'm very fortunate, to an extent. I get health insurance through work. However, because I am a part owner of the business (a very small part), I have to pay the cost of the health insurance for myself and my family. The cost is almost $20,000 per year.

Of course the insurers do not want to insure people like us. We are not profitable for them. For that $20,000 per year, what do I get? A new pump every 4 years. All of my pump supplies, subject to a $200 per quarter co-pay. All of my medications (including test strips), subject to a $300 per quarter co-pay. Virtually nothing for my doctors because they are all out-of-network.

And I feel like I am sticking it to the insurer, because I know that they are losing money on me. So, if they ever would have the chance to drop me, they would do so in a heartbeat, because I do not contribute to their bottom line.

I don't think that anyone with a chronic disease that is costly to treat is ever going to be able to get insurance unless it is through a job, through a spouse's job or if the Government ever requires it (the only thing that will really make this work, in my opinion, is a single-payer national system).

Keep looking for the right job — for people like us, it is not the right job unless it includes health insurance.

CALpumper
CALpumper 2008-04-08 14:23:28 -0500 Report

Hi Jonathan,

Thanks for the reply. How long have you been Type 1?

Yes as of late a lot of people are asking me about my job. First, after years of looking for a job based on benefits (health insurance) in my field of study and being "beat down" by the corporate world for being 1) a young woman with a sharp, bright, new ideas mind and 2) being diabetic with no "visual" complications… I finally decided it was time to simply find "the right job."

And I did. I work from home and it took away SO much "office politics" stress! No one looking over my shoulder or wondering why I am not at my desk or why I am eating.

Plus, I have the best and most willing to accommodate/learn/understand boss ever!!!! We are in the process of looking for a plan we can afford and suits me the best. It has been a struggle but I would not leave this job for anything.

As far as "sticking it to" the insurance company, I say do it!!! My opinion based on past experience of course. I am almost 30 still I am still in the "angry" stage, being without it for a year does that to you. ;-)

Jonathan - 13553
Jonathan - 13553 2008-04-09 02:18:18 -0500 Report

That's great that you now have the "right job". I've been type 1 for 26 years, also with no outwardly visible complications (so far). How long have you been a PWD?

I'm fortunate in my job, where I have my own office so I can eat, test, change my infusion set, do whatever I want whenever I need to. Only a few people here know about my diabetes.

One of the issues that I find very frustrating, perhaps starting a new thread here, in addition to the rip offs in the health insurance industry, is how hard it is to find good medical care.
I'm now on my 4th endocrinologist. The first was not as experienced as he should have been — really just a GP with an interest in diabetes (but, since I was newly diagnosed, I did not know any better), the second was simply obnoxious. The third was getting on in years and really seemed to be moving very quickly towards retirement and relied entirely on my CDE for changing my dosages. I just switched to a unified clinic approach, where there is a doctor, a nurse educator, a nutritionist and an exercise physiologist, all working together.

I guess my question to the world at large is — how satisfied are we with our medical care? Do we get what we need from our medical care and the education we get from them?

I have learned so much in the last year and a half lurking and prowling around the OC. So much more than it seems the medical community has to offer.

CALpumper
CALpumper 2008-06-08 00:54:07 -0500 Report

Been awhile, Hi Jonothan.

T1 for 23 years. I finally found a medical discount program but it is still way too expensive.

Between 1, that is a whopping ONE doc appt, labs and infusion sets I am out the monthly fee $120 (paid), doc visit $125 (paid), medication $23 (paid), lab bill $80 (not paid) and supply bill $140 (not paid). IF I stay "in network" I will have to change all of my doctors, which I so do not want to do. I have developed very good relationships with all of them, so hard to do these days, but I have been at it for 6 years.

I am debating "tanking" the program because in my area no one takes this medical discount. I have called my doctors, the medical discount program and tried to work with everyone. Sometimes docs just don't take the discount, ya know.

Either way, I am going to continue trying to help myself. It is hard, every program someone points me to I have already "tried". I just do not qualify.

2catty
2catty 2008-10-28 10:14:17 -0500 Report

You work from home? That is exactly what I have been looking for. I have an education, but I have alot of appointments and a 3 year old, most bosses would not be very accomadating. Plus I live in the rural mountains. Any suggestions on the work from home thing?

CALpumper
CALpumper 2008-11-06 11:11:16 -0600 Report

Hi 2catty.

I found my current position by, well, let's call it a fluke of sorts. I looked in my local newspaper, searched that newspaper online and used a couple "career" sites to search. I opted for the search words of: part-time, work from home, computers and went from there.

I found a small advertisement that included those words and applied. It turned out to be THE perfect position. Even better, THE perfect boss.

It is a matter of looking everywhere, applying when you feel comfortable, moving forward and always knowing you can say no. It all depends on the area where you live. But there are more and more options of "off site" work, meaning the company may be far from where you live within your county, state or even out of state.

Patience is key. It took me 6 months to find this job last year. And the economy seemed pristine then…

Good Luck!

Melissa Dawn
Melissa Dawn 2008-04-03 08:21:20 -0500 Report

Growing up, my parents owned their own business. They had to get my health insurance through the state. It wasn't cheap ($300 a month just for me, and it wasn't great coverage — and this before rates have continued their rise) but it worked.

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