Something that most of us don't have a lot of. Some are more blessed than others. This is true. But, when it comes to living with diabetes, money can be a serious issue. As most of us know, having money is important when it comes to living with diabetes (or any chronic illness, I would venture to guess). If you don't have money, you need fantastic health insurance.
In the past I've talked about my thankfulness for my job. I don't enjoy it as much as I'd like. But I'm thankful for it. It pays well enough, I suppose. But the main reason that I have stuck with this job for the past (nearly) five years is because of the fantastic health insurance that my job offers.
I had no fight on my CGMS. They approved my insulin pump with no problems. And for the past two years, all my diabetic supplies (minus the pump supplies, which are considered durable medical equipment) were free. Free test strips. Free insulin. Free glucagon.
But, the economy is hitting everyone and everything. People are constantly looking for ways to cut costs and save money. And it's hit my job. In an effort to save money my job is "changing" their insurance coverage.
In July, we got a new prescription plan. Since I order my supplies every 3 months, I hadn't had to get anything since this change. But while visiting my endo a few weeks ago I got a new prescription for a glucagon kit. Mine has officially expired and I knew I needed to get a new one. In 24.5 years, I've never, ever had to actually use a glucagon kit. In fact, until a couple of years ago I hadn't had one since I was a kid.
I currently carry one in my "emergency kit" I carry in my purse. I have at least 2 co-workers who know how to use it, so I felt safe having it there. Also, my current roommate knows where its kept and how to use it.
When I went to the drug store the other day, I handed them my prescription. I asked them to run it through so I could find out the cost. I had a sneaking suspicion it wouldn't be free.
It was $75.
And I told them to keep it. I haven't had to use one in over 24 years, and I don't have $75 to basically throw away (after all, the past 3 I've had have expired without ever being used).
Please tell me, Mr. Insurance Company, how is a kit that could potentially save my life be "non-preferred"? And it's not like they have a generic version. I'd gladly take generic.
And, out of pure curiosity, I called a friend who works in a drug store to have them look up the cost if I had NO insurance. I didn't get an exact number...but I was told I was saving over half. Which means that without insurance, this little life saving pen would be over $150.
Oh, Mr. Drug Company....how is it that you can charge that much for something that might save a life? How is it fair?
As for the other changes in my insurance....we'll find out come January. I'm only hoping that the changes aren't so severe that it turns me into a pauper.