Sunday, October 25, 2009

Insurance?

I don't really understand all that is going on with this universal healthcare stuff.  I just want to vent my frustrations  for a minute or two.

Insurance is not for the sick.  It is only for the well.  When you're well, you don't shell out much money for doctor's visits and prescriptions.  You may pay an arm and a leg for your monthly premium, but that's about it.

Then there are those of us that are "sick".  We are the punishable ones.  We pay the arm, the leg, and part of the other arm for coverage for our family.  Then we have to see a specialist every other month.  That's another sky-high fee.  Then we have tons of prescriptions.  We do have co-pays for prescriptions, but it seems that each year, that fee doubles.  Multiply that co-pay by 4, and that is only part of our monthly prescription cost--it's the part that comes from the drug store pharmacy.  Then there's the crazy co-pay amounts that go to the pump company for pump supplies.  And oh yeah, they only covered 1/8 of the cost of the pump.  

That's not to mentions the Continuous Glucose Monitor that Maddie desperately needs, but guess what?  Yep, that's right.  It's not covered.  Oh well....too bad....

Ahhh....I feel much better now.  I just needed to vent a little.

Bottom line:  Some people have fancy cars, or beautiful houses, or brand new trendy clothes.  Some people go on trips to exotic places, or go to the beach every weekend.

BUT, we have an income (it's very small, but it's there--I promise) and we have insurance coverage, and a healthy child with an insulin pump.  I'll take that over shopping sprees any day!

6 comments:

  1. I struggle mightily with my attitude toward healthcare costs. Yes, I too have insurance through my employer and yes, the co-pays keep increasing each year. We just got our benefits plan stuff for 2010 and it was hard for me to keep my mouth shut when someone was complaining about the $200 deductible, saying they didn't come close to spending $200 for medical expenses in a year. Shoot, that's about my monthly cost.

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  2. I hear ya....I would have had a hard time keeping my mouth shut, too! Thanks for the comment, and good luck~

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  3. Nice to meet you! Your comment on my blog made me laugh and I had to jump over to check you out. I like you. You have moxie. I'm going to add you to my blog list, if that's ok with you.

    Look forward to getting to know you. Just reading your profile page...it seems we have a lot more than just diabetes in common. :)

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  4. I found your blog through your comment on Meri's, and just wanted to pop over and say hi! I have a two year old daughter named Elise who was dx at 12 months. This community has meant the world to me over the last year and I don't know what I'd do without it.

    May I add your blog to my blog list?

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  5. I feel like I'm playing follow the leader but hear I go. Joanne got to your blog from Meri's blog and I got to your blog from Joanne's blog. My daughter is Cara she is 3 years old and was dx type 1 on Feb 13th of this year. I love finding new blogs and new "D" moms to meet. I'm looking forward to reading all about you and your daughter Maddie.

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  6. And....I found your blog through Nicole's who found your blog from Joanne's who found your blog through Meri.

    Ah....so nice to be loved :)

    Nice to meet you! My 6 year old daughter was dx in 2005 3 weeks after her second birthday.

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