Insurance/Finances and Child with Diabetes

J - posted on 02/01/2009 ( 9 moms have responded )

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Hi to all!

I have brought up this topic in the "introduction" thread, however i thought it would be better and more members could be reached if I open up a separate thread for this subject. Thanks to all those who have shared and also those who still will be sharing. :)

So this would be some kind of a survey then.....

Since Diabetes is one, if not, even the most, among the most expensive diseases and i know that we, as parents, are not just suffering of its psychosocial effects but badly also of its financial effects.

I would wanna know the following: How do you go about with the financial burdens? What is your insurance provider and how does it cover diabetes? What is your monthly premium for this insurance? How much do you pay monthly out of your own pocket?

Please, this is very important for me and my family to know. Any pertinent info will be of great help for me.

God bless all of us, esp. our children.

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Tamra - posted on 03/05/2009

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Thank you Karen.  I'll be sure to mention it to my husband.  If the insurance changes, the transition is clearly spelled out in the contract, so I'll make sure he checks on it. 



 

Karen - posted on 03/05/2009

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Quoting Tamra:



I am so thankful for my husband's current insurance (it will probably change when they sign their union contract in April). 






Right now we have BCBS Anthem, and it covers all the doctor/hospital charges for a co-pay of $10-25.  Our prescription insurance - Medco - covers supplies 100%, except the insulin.  The insulin is about $19 per bottle right now.  So we are paying about $10/mo for doctor, $25 for labs, and $38 for insulin.  We are new to this, so this could change.






I'm not sure how much our premiums are - sorry.  They are automatically deducted from his check, and I haven't looked recently.



 



Tamra.....Make sure that your coverage doesn't lapse for even a day when your husband's company chagnes insurance companies or they can consider the condition precondition and not cover any supplies.  All state laws or different .....but just wanted to make sure that you knew that because most of the time you can get cobra coverage for a few weeks so that you are covered 100% and avoid the pre-condition.





 

Trudy - posted on 03/05/2009

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In Australia, we are entitled to a carers allowance of about $150 a fortnight and a health care card which make a packet of tester strips about 60cents. I didn't find this out until about 4 months after my son's diagnosis but it helps greatly. It has saved me $6.90 per packet! Health insurance cover the cost of pumps and on my extras cover and memberships and other extras like swimming lessons etc is all covered with a letter from the doctor and the educators will normally arrange the letters all you have to do is ask. Good luck

Tamra - posted on 03/01/2009

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I am so thankful for my husband's current insurance (it will probably change when they sign their union contract in April). 



Right now we have BCBS Anthem, and it covers all the doctor/hospital charges for a co-pay of $10-25.  Our prescription insurance - Medco - covers supplies 100%, except the insulin.  The insulin is about $19 per bottle right now.  So we are paying about $10/mo for doctor, $25 for labs, and $38 for insulin.  We are new to this, so this could change.



I'm not sure how much our premiums are - sorry.  They are automatically deducted from his check, and I haven't looked recently.

Karen - posted on 03/01/2009

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Jennifer,



I would check out allkids.com.  In Ohio it is called BCMH program.  In Ohio they do not cover all of the expenses but they pay another percentage so it really help.

Jennifer - posted on 02/10/2009

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How did you find out about this? What is it called? I live in IL and would love to see if they offer it.

Jennifer - posted on 02/10/2009

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We have Blue Cross Blue Shield, they have just recently raised all of our co-payments unless we change what we have been using and frrl comfortable with for over 7 years. Our test strips went from $15 to $50 a month. Insulin runs us $30 for each one. Syringes are $15 a month but we get the Walgreens brand, glucose tableta, alcohol swabs, etc and so on.. without the cost of the insurance itself it runs us about $200 a month. Hope this helps.

Shelli - posted on 02/04/2009

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in the state of pennsylvania we are very blessed....we have our own insurance but with children with a chronic desease they also get a type of 'welfare' coverage for anything that is not covered by your insurance. so we pay nothing out of pocket, basicaly. alot of people in pa are not aware of this and i know other states do this also so would be worth looking into. good luck

Joanne - posted on 02/03/2009

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Luckily our insurance plan covers most of my son's supplies and insulin.



He is on the pump and it is government sponsored.  The government paid for the pump and they also send an allowance every three months for supplies.



We are very fortunate!

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