My Love/Hate Relationship

We live very modestly.  Other people that I know have new cars, huge houses, beautiful brand new furniture, shopping sprees every weekend, and lots and lots of stuff. They send messages out on Facebook asking for references for housekeepers. They go on date nights with their spouses, hire $20/hour babysitters, go on extravagant vacations, fly here, fly there, and so on.....

Not us. Nope. We don't buy new cars.  We bought a house further out of town, that I clean BY MYSELF. I don't brag about new furniture--I brag about how long we've had our furniture.  I brag about how little I paid for my groceries, using my coupons. I almost had a panic attack when they closed the Merita Bread Store in town, so now it's back to paying $2 for a loaf of whole wheat (oh- it pains me to even type that). Thanks, Hostess {read with much sarcasm). I try to lump all of my errands together in order to save gas.  I prefer to call it "cheap chic", you know, like "shabby chic"? Except that I try to avoid the shabby part.  But I digress....

Shawn's former employer did not have great benefits, because it was a smaller "business" and medical insurance is very costly. (If you're reading this, and you know us, and you work where he used to work, I'm sorry, but you know you're paying out the nose for blah insurance, although I know it's not the "company's" fault). I considered us to have a love/hate relationship with it.  I loved and appreciated the things that the insurance DID in fact cover, but that wasn't much.  I'm honestly not sure what we were paying for with the $800 per month, other than being able to say, "Yes, I have insurance."  But whatever.....

In the spring of 2008, we got Maddie's first Medtronic Minimed. Our so-called insurance covered 20% of the $6000.00 pump. If you don't have a calculator for a brain, we paid $4800.00 for it. Now, mind you, we have 3 kids, and do not have $4800 just sitting around, so we had to finance it. Completely and thoroughly 1000% worth every penny.  It is Maddie's life-line. It's what keeps her healthy, and for that, I'm very grateful.

This pump's warranty expired April 21st of 2012. Basically, what this means is that if the pump stops working, we are up the creek without a paddle, and back to the 8 shots a day Maddie goes.  If the pump is within warranty, and the teeniest, tiniest thing happens, you'll have a brand new $6000.00 pump brought directly to your door step, or the door step of wherever you happen to be at that moment, the very next morning.  Incidentally, my sister, who also wears the Minimed and lives in NC, was skiing in Colorado a few years back.  Her pump stopped working one afternoon after skiing all day.  One phone call later, and the very next morning, they called her from the front desk of the hotel with a completely brand new pump. That's it.  Period.  Winning~

So we've been going back and forth with the so-called insurance company, with Medronic, and with the finance company to get her new pump for over 7 months.  At one point during the summer, I stopped communicating with them all, and started humbly and reverently praying that her old pump would not stop working. I guess it worked. Lo and behold, it was still working on the day we received the new one, on December 8th, 2012. (Thank you, Lord!)

Recently, Shawn got a new job, with brand new benefits, and "top of the line" medical insurance. It should not be called "medical insurance". It should be called "miracle insurance" because it does indeed perform miracles. 

I stunned my Medtronic rep (and new best friend) when I told him what insurance we had.  He called me back and was in shock. 

"You have the best insurance I've ever seen in all my years at this company."

We received the pump a few days ago.  Our miracle insurance paid for 98% (Yes, I said NINETY EIGHT PERCENT) of the $6000.00 pump, after we send in the old one for a credit. 

After 7 1/2 months of hard core prayer, and a little anxiety mixed in, hoping her pump didn't fail, she is back on track and pumpin' away.  God does perform miracles~

I'm Starving!!

If you have read my post about homeschooling Maddie, you'll know that I do enjoy eating my words.  Today I was starving!

This time instead of being about homeschooling, it is about insurance, since ironically that was the frustrating topic of my last post.

My husband came home from work a month or two ago and announced that they were getting new insurance at his job.  That always makes me cringe because I'm always fearful that someone somewhere is going to deny Maddie coverage, even though I know that they can't do that on a group plan.  I also cringe because the amount we pay per month for our family to have insurance, (even though Shawn is free) is almost like another house payment.

Today was the first time I went to get Maddie's testing strips since our new insurance went into effect.  They used to cost us $70, just for that one prescription, just for that one month.  Today, I found out that our prescription co-pay is not $70 anymore, it's $10!!  This is where I started eating my words, once again.

This was the conversation in the pharmacy drive-thru between myself and the pharmacist.

"That will be $10."

"WHAAAAAAT?"  This is the part where I had to physically pick up my lower jaw and put it back into place.
 
"I said, that will be $10 for your daughter's testing strips."  She was not nearly as excited as I was at that point. 

"Nuh-uh!"

"Uh-huh."

"No way!"

"Um, yes way, ma'am."

"You're kidding me, right?"

"No, ma'am, I'm not kidding."

"OH.......MY.........GOODNESS......she just said it would be $10," I sometimes yell at my steering wheel.

The poor pharmacist had been hunched over at the microphone for several minutes waiting for me to get my act together, and my kids were scared, silent and wide-eyed in the back of the van watching my entire "freak-out" episode.

"Ma'am, I have customers waiting inside the store.  Are you going to pay for this today?"

See, for this pharmacist, it was just an everyday, run of the mill, prescription refill.  But for me, it was an answer to prayer in a desperate time of need.

.....The prayer of a righteous man is powerful and effective.  James 5:16 

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!