Living with type 1 diabetes can be expensive. With all of the prescriptions, supplies, and doctors appointments even having health insurance still means a lot out of pocket.
I am thankful that I have health insurance though my employer. They pay for my coverage but not my family’s. My wife and I decided to use her insurance from her work for the family and I would use mine for myself only. At her job they pay for the whole family’s premiums as long as you use the HMO. That seems to work for my wife and kids but I really do not like the hassle HMO’s tend to cause.
Now you should know that all of my life I have used an HMO. It has only been through 2011 that I switched to a PPO. I cannot go back. The ease of being able to see specialists and doctors that I want to see has made all the difference in the world for me. Granted, my company pays for a basic PPO plan and I pay about $500 a month to up that plan to the PPO I have now. Believe it or not, when I had my family on my insurance, before my wife’s job came along, I paid over $800 out of pocket! And that was the HMO plan!

It made sense for us to take the family off of mine, slide them over to hers, and bump my coverage. And like I said, it works.
Now get this.
Yesterday I hear that come December 1st our insurance is going to change because it is too expensive. My company is making a lot of changes lately and this is one of them. Great.
For someone who has finally found a doctor that he loves and a plan that works those are disturbing words to hear. I could feel my heart rate go up and have not been able to stop thinking about it since.
So much of my care and health depends on that coverage. Having a doctor I connect with makes me want to make the changes he suggests. It makes not want to miss an appointment and take better care of myself. The ease of seeing specialists allows me the freedom to get the checked out the moment they become a concern. To go back to jumping around from doctor to doctor and trying to find one that gets it, treats me well, and who will fight for me is a search I am not willing to take on.
If it changes to the point where I cannot afford the out of pocket stuff than I am not sure what I am going to do. Or what I can do. I am sort of at their mercy.
This past year has opened my eyes to how different things can be. I was always so worried about the out of pocket expenses with a PPO but this plan works since I put so much out up front that I am able to pay less for appointments and services. It may not be for everyone but it is the right plan for me. It just works.
Last night I tossed and turned having nightmares of denied prescriptions and delayed referrals. I refuse to go through that crap again.
I just need to figure out what I am going to do if something drastic changes.
It’s sucks that this is such a big deal but if I want to live healthy, it has to be.