Insurance companies suck!
WARNING: Rant ahead
Freakin' flippin' A. I am going to go back to school to learn how to run an isurance company for people with diabetes so we don't have to take out loans to get our supplies and routine care. Jesus!
So when I signed up for my new insurance plan, it looked great.. Diabetes care was listed as routine physician care in terms of coverage.. so I thought GREAT! Well, after the new year, I called United Healthcare to find out for sure my prescription coverage, copays, etc. Well, after getting tossed back and forth to different people, I finally got an answer. Insulin and test strips are fine, but I have a $1000 YEARLY deducatble for insulin pump supplies (aka Durable Medican Equipment) and then they pay 80%. WTF is that? SO I have to shell out $1000 every year out of my own pocket to pay for all my supplies.. how messed up is that? Who can just randomly afford $1000? My god.
So, I flipped out and started looking into other plans. I can get another one through my company, an HMO plan through Cigna, and pay $100 a month, have a $250 deductable, 100% copay, but have limited access to doctors. They have to be on the list and I would have no coverage outside the W-S area. The rx and other copays are a lot less too.. but then there is the question of whether or not my diabetes doctor would be on their preferred list. I'd have to get a Primary Care Physician, have him/her refer me for diabetes care that I've been getting ALL MY LIFE in order to have it covered.
INSURANCE COMPANIES ARE SUCH BITCHES!!!!!!!
Needless to say, I have to study the options to figure out which is going to save me more. I don't do a super lot of traveling, but it'd be nice to know that if I were in Baltimore or Nashville and needed an ER or something that I could get it without having to pay crack-assed amounts of money. Ya know? And I've just gotten comfortable with my diabetes doctor, I don't want to have to switch. Dammit!!
Freakin' flippin' A. I am going to go back to school to learn how to run an isurance company for people with diabetes so we don't have to take out loans to get our supplies and routine care. Jesus!
So when I signed up for my new insurance plan, it looked great.. Diabetes care was listed as routine physician care in terms of coverage.. so I thought GREAT! Well, after the new year, I called United Healthcare to find out for sure my prescription coverage, copays, etc. Well, after getting tossed back and forth to different people, I finally got an answer. Insulin and test strips are fine, but I have a $1000 YEARLY deducatble for insulin pump supplies (aka Durable Medican Equipment) and then they pay 80%. WTF is that? SO I have to shell out $1000 every year out of my own pocket to pay for all my supplies.. how messed up is that? Who can just randomly afford $1000? My god.
So, I flipped out and started looking into other plans. I can get another one through my company, an HMO plan through Cigna, and pay $100 a month, have a $250 deductable, 100% copay, but have limited access to doctors. They have to be on the list and I would have no coverage outside the W-S area. The rx and other copays are a lot less too.. but then there is the question of whether or not my diabetes doctor would be on their preferred list. I'd have to get a Primary Care Physician, have him/her refer me for diabetes care that I've been getting ALL MY LIFE in order to have it covered.
INSURANCE COMPANIES ARE SUCH BITCHES!!!!!!!
Needless to say, I have to study the options to figure out which is going to save me more. I don't do a super lot of traveling, but it'd be nice to know that if I were in Baltimore or Nashville and needed an ER or something that I could get it without having to pay crack-assed amounts of money. Ya know? And I've just gotten comfortable with my diabetes doctor, I don't want to have to switch. Dammit!!
1 Comments:
At 6:46 PM ,
erica said...
Okay, that's fucked up. The only thing I can figure is that insurance companies are starting to think that diabetes is something people bring on themselves, since it's sort of that way with adults who don't watch what they eat and get diabetes at age 50 or whatever, though it's obviously not the same situation with juvenile diagnosees like yourself. What was your previous insurance like?
Ridunkulous, as some would say.
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