Category Archives: medicare

Private Insurance

our daughter has a pump – an insulin pump delivers a steady amount of insulin via a needle that stays in place for 3 days and then is moved to a new site. At present it is the closest thing to an artificial pancreas available and it allows her to live a much more ‘normal’ life. She can sleep in, she can skip meals and she can eat a big meal (like Thanksgiving).

On regular injections it is necessary to balance meals, have snacks available and to get up in the morning by 7:00 in order to have the first needle of the day and eat breakfast. Sure, this doesn’t sound like such a tough deal and in the scheme of things, it isn’t. We tend to coddle our kids, I know that, but after coming so close to losing her, we have damn good reasons for going out of our way to spoil her now and then.

The real benefit of the pump is that when kids go on them they don’t have as many dangerous lows and it’s easier to keep blood sugars down at a decent level. Okay, in our little sugar plum’s case, she hasn’t been doing so good at keeping the levels down but that’s another issue – the good thing is she isn’t having lows and we haven’t had to phone the ambulance or break out the emergency glucose once since she strapped on the pump.

Breaking out the emergency glucose is one of those things you do when you notice she isn’t responding to questions or making any sense. Her eyes are starting to roll around and it is only a matter of seconds before she’ll be unconscious – so find candy or honey or glucose and fight to get it into her mouth. … And plan on spending the next few hours or the whole day just napping with her and getting her back on track because brain cells have died and she won’t be able to focus clearly on much for the next little while.

It is one of those things that shorten lives, leads to amputations and all the other delightful complications of diabetes. And, to get to the point here, some insurance companies providing extended medical benefits cover pumps and some don’t.

My husband’s company switched extended medical insurers recently. Guess which one we have now.Well, not exactly…they said they would cover whatever the previous company covered. When the claim went in for our daughter’s new pump it was denied. We appealed based on the fact that they are supposed to cover whatever the previous company covered. Well, it seems, in the opinion of the current company, the previous one shouldn’t have covered it, it was a mistake and therefore this one isn’t going to.

There’s an old joke from the days of the Jim Crow laws in the southern United States.  An old black man is told he has the right to vote in the election and appears at the polling station. A good old boy is the returning officer there and smiles at the black man holding out his id.

“Well, boy, if y’all wanna vote, y’all gotta pass a litteracccy test. Here, read me a bit outta this newspaper.”

And he holds out a chinese language daily to the old man who takes it and looks it over for a minute.

“Well, boy, can you pass this here litteracccy test or not? … go on, tell me what it says….”

The man takes a long look at the paper and then at the returning officer, “Why sure I ken read it, suh”

The good old boy sat bolt upright and snarled “Whaddya mean you ken read it, you aint no more Chinee then I am..”

“Why look it this, see, it say right here, ‘This n-r ain’t gonna get no vote.”

I’m thinking of taking chinese lessons ’cause something tells me, we’re gonna need it for the next round with the insurance company.

Pumps and pump supplies are part of the medicare system in other provinces…that’s the difference between private medical insurance and public…Unfortunately we live in a province that is trying, by hook or crook, to move us to a privatized system.

Lots of us are gonna have to learn to read between the lines soon.

The rollercoaster

The day-in day-out background stress of worrying over
your type 1 child  is a lot like life in an earthquake zone. There are
continual rumbles as the tectonic plates shift – high blood sugars
making for raging battle out of the smallest question: “please, dear,
could you pick up your socks?”….and then when the smoke clears, you
rub where your eyebrows once were and think to yourself, “hmmmm, I
wonder if her sugars are a little high right now…”
Of course, if you’ve raised a female child through those charming
adolescent years between ages 12 to 16, you’ve experienced these
moments with just the benefit of regular roller-coaster hormonal
levels. Insulin is another hormone and it’s like adding a healthy
amount of jet fuel and lit match to the mix when everything else is
already out of whack.
So you learn to ride the small tremors, the grumbles and
stomps off, keep that smile firmly plastered in p ace as you ask, “so,
sweetie, did you do a poke recently?” dodging any objects or words or
glares hurled in your direction. Wait 5 minutes and you’ll hear the
sound of the glucometer being pulled out, the click of the lancet and
beep of the test strip…”12″ Ah. Just a tad high.

A word here of the difference between the US and Canada in blood sugar
measurements. The American measurement has a few more zeros so any
diabetic south of the border is now in a panic thinking my child is on
the verge of a terminal low blood sugar. Here normal is 5-7. 3 is low
normal and 10 is time for an insulin adjustment or 5 minutes with a
skipping rope.  Here’s a converter from
DiabeticGourmet.com to convert between US readings & metric (aka the rest of the world) http://tinyurl.com/owd4n.

And like life in an earthquake zone, all the tremors and rehearsals
still don’t prepare you for when the big one strikes. A friend of ours
just spent three days at his daughter’s bedside in pediatric ICU
because her sugars went so high she developed ketoacidosis. That means
because she was unable to metabolize sugar normally, her body started
to break down proteins at a cellular in an attempt to get some energy.
This process throws off ketones which change the actual ph level of the
blood. It is the condition that usually brings a child into the
hospital for the initial diagnosis and it’s one of those things that
can bring a Type 1 child back again and again and again. And, as a
parent, you never get used to it. l

We’ve been so very lucky with our daughter: since being diagnosed she has managed to stay out of the hospital. But it still makes for tremors in our lives because we’re all in the same zone.

It hurts other places too

direct costs for aproximately 1 month:

Pump supplies – infusion sets – $318

– syringes – $118.

test strips $ 75.00

insulin $135.00

Pharmacare is an interesting system. It covers some things but not others, lancets but not test strips, for instance or one type of insulin but not another. It was also ‘improved’ so that it doesn’t start covering drugs until a you’ve paid out a certain amount on your drugs. At that point it starts at a scaled percentage of the cost, gradually increasing the amount it covers.

It resets every January 1 and despite paying in over $1,200 a month with all our different prescriptions, we still haven’t hit the pharmacare threshold and it is the end of March.

A good extended medical plan helps a whole bunch, fer sure and I can’t imagine how families without one manage to cope with all the costs. Yes, it is evenutally, tax deductible but between refund time and the next year, most folk like to eat and maybe pay the rent and, believe it or not, go to the odd movie. Yes, poor folk deserve a movie now and then too.

If it wasn’t for our socialized health care system, we’d have gone under a long time ago. That is why, next to Dr. Banting, my big hero is

Tommy Douglas

But more about him later.