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  • Activity
    • 3 hours, 31 minutes ago
      Lawrence S. likes your comment at
      If you use an insulin pump that comes with a clip, how often do you have your pump clip attached to your pump?
      The more important question is 'how well does the clip work'. For me, the Medtronic clip worked very well, but the Tandem clip is quite ineffective and the pump falls off my belt during things like yard work or other bending movements.
    • 3 hours, 32 minutes ago
      Lawrence S. likes your comment at
      If you use an insulin pump that comes with a clip, how often do you have your pump clip attached to your pump?
      I answered never. I always use a clip -- I wear my t:slim x2 on my belt -- but not the Tandem clip. I use the black t:Holster Rotating Belt Clip. Very pleased.
    • 3 hours, 33 minutes ago
      Lawrence S. likes your comment at
      If you use an insulin pump that comes with a clip, how often do you have your pump clip attached to your pump?
      I am rough on pumps and use a Tandem X2 but dont use the Tandem clip/holster. I use a neoprene case and a pouch with a metal clip. Thenmetal clip is uncomfortable while I sleep. Looking for a different solution for wearing my pump at night.
    • 23 hours, 50 minutes ago
      Wanacure likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      I answered that nobody wants to be screened, but I was answering based on my immediate family. I did let my deceased type-1 diabetic cousin's 35 year old son know he can be tested for his likelihood of becoming type-1 diabetic. He said he may be tested as he was always curious if he had a chance.
    • 1 day ago
      Wanacure likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      I have T1, and when my oldest grandson got T1, the other 3 grandkids got screened. The grandson who's the brother of the one with T1, showed a strong possibility of being a future T1 diabetic. It sadly came true about a year later.
    • 1 day ago
      Wanacure likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      I have LADA, and the idea of screening has not come up, either by me or my adult children. I guess I need to present the opportunity to them so they can make the decision.
    • 1 day ago
      Wanacure likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 1 day, 3 hours ago
      Samantha Walsh likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      I was born in 1939 and had many childhood illnesses. Three different kinds of measles and tonsils removed before I was 5 years old, then mumps and chickenpox when I was 5. While recovering from the mumps and chickenpox, I began showing the symptoms of very high blood sugar. Three doctors examined me and they were not able to make a diagnosis. I had lost much weight, and I had stopped eating. I did not have an appetite. It was almost impossible for me to walk. A fourth doctor had my blood tested and he made the diagnosis. While receiving pork insulin I finally began to recover a few days after my sixth birthday. I did not have ant relatives with diabetes. I think the childhood diseases caused internal damage and that was the cause of my diabetes. At the present time there are still no type one diabetics among my relatives. I do not believe it is necessary for my children and grandchildren to be screened for T1D autoantibodies.
    • 1 day, 22 hours ago
      KarenM6 likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 2 days ago
      Katie Bennett likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 2 days, 1 hour ago
      Kate Kuhn likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 2 days, 1 hour ago
      Karen DeVeaux likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      I was born in 1939 and had many childhood illnesses. Three different kinds of measles and tonsils removed before I was 5 years old, then mumps and chickenpox when I was 5. While recovering from the mumps and chickenpox, I began showing the symptoms of very high blood sugar. Three doctors examined me and they were not able to make a diagnosis. I had lost much weight, and I had stopped eating. I did not have an appetite. It was almost impossible for me to walk. A fourth doctor had my blood tested and he made the diagnosis. While receiving pork insulin I finally began to recover a few days after my sixth birthday. I did not have ant relatives with diabetes. I think the childhood diseases caused internal damage and that was the cause of my diabetes. At the present time there are still no type one diabetics among my relatives. I do not believe it is necessary for my children and grandchildren to be screened for T1D autoantibodies.
    • 2 days, 2 hours ago
      Kelly-Dayne likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 2 days, 3 hours ago
      William Bennett likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      Hi Kristen, thanks so much for your feedback. We do plan to continue questions and education on T1D screening. The constantly evolving clinical trials and FDA-approved therapies that offer the potential to intervene, delay —— and hopefully some day prevent —— T1D are only effective if children are being screened for the earliest stages of T1D. Without screening, we cannot delay or prevent T1D. We do offer "No, my family members have no been screened" as an option. We appreciate your passion as a person affected by T1D and hope you enjoy our other daily questions. All the best, The T1D Exchange team
    • 2 days, 3 hours ago
      Jneticdiabetic likes your comment at
      Have you ever participated in a charity fundraising event that benefitted a diabetes organization (i.e., a walk, marathon, gala, etc.)?
      I have led a team for the JDRF OneWalk annually since the late 1990's. We have been able to raise a lot of funds for JDRF...and I have enjoyed doing it. Good cause!
    • 2 days, 3 hours ago
      Lawrence S. likes your comment at
      If you or someone in your family has T1D, have other members of your family been screened for T1D autoantibodies? If not, do you think your family would be willing to be screened for T1D autoantibodies?
      my siblings & parents are older (like me) and they've never expressed any interest in getting tested. my nieces and nephews have never said anything either
    • 2 days, 15 hours ago
      Karen Newe likes your comment at
      Have you ever participated in a charity fundraising event that benefitted a diabetes organization (i.e., a walk, marathon, gala, etc.)?
      I participated in several ADA walks not long after being Dx with T1D. As Ahh Life points out large $ are rased, but where do they go? I stopped supporting ADA for that reason. I think JDF is much more open on where the funding goes.
    • 2 days, 15 hours ago
      Karen Newe likes your comment at
      Have you ever participated in a charity fundraising event that benefitted a diabetes organization (i.e., a walk, marathon, gala, etc.)?
      JDRF only. I like knowing that my contributions are going specifically to T1D.
    • 2 days, 15 hours ago
      Karen Newe likes your comment at
      Have you ever participated in a charity fundraising event that benefitted a diabetes organization (i.e., a walk, marathon, gala, etc.)?
      I have led a team for the JDRF OneWalk annually since the late 1990's. We have been able to raise a lot of funds for JDRF...and I have enjoyed doing it. Good cause!
    • 2 days, 19 hours ago
      Joindy23 likes your comment at
      The last time you discussed adding a new device or medication to your T1D management routine with your health care provider, who initially suggested trying the new device or medication?
      Switched a long time ago to Tandem/Dexcom from Minimed because of improved and more automated control, and haven't looked back. Still wishing for a cure, but know it's not going to happen for dinosaurs like me. I'll just be glad when young people will will one day experience that magic word: cure. It's too easy to sit around and complain, but it's high time for a cure, and way past time having us depend on treatment that is pretty much a money maker for big Pharma when it seems as if there's a cure waiting in the wings. Filling up landfills with used pump supplies, etc., makes our society look nothing but incompetent and greedy. Sorry to rant.......
    • 2 days, 19 hours ago
      Joindy23 likes your comment at
      The last time you discussed adding a new device or medication to your T1D management routine with your health care provider, who initially suggested trying the new device or medication?
      They do too often. Why I ask? Well because it will help long term.... oh how do you know that it will help? It's a brand new medication, never been used by the D community, except for the shortest term study mandated in order to get it to market, and sell. Long term has never been achieved... its NEW. Let's revisit/wait a couple years... if its MAGIC medicine, sure I'll try it. But unless it's got magic properties, guarantees magic results why would I want it, until it's been used for a decent while??? Oh well... yeah, guess that does makes sense....
    • 3 days, 12 hours ago
      Wanacure likes your comment at
      Does your T1D health care provider currently offer the option to have virtual appointments (via phone or video call)?
      Yes and for the last year and a half that is exclusively what I have been offered so I am not getting all the usual checks an in person endo visit requires. ADA and others spent 10-20 years convincing endos they needed to check patients feet and that progress has evaporated.
    • 3 days, 12 hours ago
      Wanacure likes your comment at
      Does your T1D health care provider currently offer the option to have virtual appointments (via phone or video call)?
      I would rather see in person. He checks my feet, BP etc. we have a chance to catch up and for me to ask questions. To me so much better face to face. We did virtual during pandemic.
    • 3 days, 20 hours ago
      Phyllis Biederman likes your comment at
      If you use an insulin pump, do you currently have a protective case on your pump or PDM?
      I’ll occasionally use the holster with clip that came with my pump or a protective case of my own when I’m wearing something without pockets. However I find these quite bulky thus usually just slip my pump in a pocket.
    • 3 days, 20 hours ago
      KarenM6 likes your comment at
      Of the people in your life, who (if anyone) makes you feel judged or criticized for your T1D management (for example, what foods you eat, where or when you check your blood glucose, etc.)? Select all that apply to you.
      Hmmm... I'd almost welcome it, another challenge to enjoy?
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    Does your health insurance deductible reset on January 1st?

    Home > LC Polls > Does your health insurance deductible reset on January 1st?
    Previous

    If you have met your health insurance prescription deductible for the year, how much is your co-pay for one month’s supply of insulin?

    Next

    During your last appointment, about how much time did you spend with your main T1D health care provider?

    Sarah Howard

    Sarah Howard (nee Tackett) has dedicated her career to supporting the T1D community ever since she was diagnosed with T1D while in college in May 2013. Since then, she has worked for various diabetes organizations, focusing on research, advocacy, and community-building efforts for people with T1D and their loved ones. Sarah is currently the Senior Manager of Marketing at T1D Exchange. Sarah and her husband live in NYC with their cat Gracie. In her spare time, she enjoys doing comedy, taking dance classes, visiting art museums, and exploring different neighborhoods in NYC.

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    23 Comments

    1. Ahh Life

      Terrifically glad this question was posed. As the severely skewed graph is beginning to indicate, another obscene weakness of the American health care system (not the individual players) but the system itself. Economists often prefer a better, fairer and more abundant future as one where policy focuses on increasing supply, not merely socializing demand.

      https://newrepublic.com/article/164540/health-insurance-deductibles-give-black-friday-whole-new-meaning

      1
      2 years ago Log in to Reply
    2. Janice B

      Not only does my deductible reset, my company changes insurance every year in June so every June I have to gather all information and work through getting my out of pocket from January to June applied so that I am only out the $7,000 deductible once. It usually takes a month or two to get through all the hoops.

      1
      2 years ago Log in to Reply
    3. Karington Johnston

      I’m a teacher, so my insurance follows the school year calendar

      2 years ago Log in to Reply
    4. Rebecca Lambert

      HMO – no deductible

      2 years ago Log in to Reply
    5. Patricia Dalrymple

      University is on Fiscal Year so June 1. Americans are so afraid of socialized medicine but I only see Americans complaining on this site, not our UK or Canadians. Please set me straight: do you all dislike your socialized medicine? What do you dislike about it? I’m not trying to be controversial. Just trying to gather facts from people who live it.

      3
      2 years ago Log in to Reply
      1. KSannie

        I have returned to the U.S. We lived in the UK for 15 years, and treatment at that time was always being postponed. That was socialized medicine. It kept me healthy. But we had a friend with cancer who died before they could operate. And a woman would get her first mammogram at age 50. We knew a woman who died about 6 weeks later because her breast cancer was already too far along.

        Other members of our family live in Canada and use socialized medicine there, and it is wonderful by comparison. So it depends on how the “socialized medicine” is run. In the UK, they choose which hayfever drug is covered. So you do not have a choice. Some say Medicare is socialized medicine. But Medicare never says you must use a certain drug. They offer cheaper and more expensive options, an you choose.

        2
        2 years ago Log in to Reply
      2. Patricia Dalrymple

        Thank you KSannie

        1
        2 years ago Log in to Reply
    6. Retired and glad

      No deductibles, but both my wife and I had to change Medicare Advantage plans for 2022 because our current ensurer decided to break ties with the largest healthcare operator in our area in Georgia. Since I have seven doctors in that group (several of which I’ve been seeing for more than 20 years!) the only choice was to change to a different carrier

      1
      2 years ago Log in to Reply
    7. Jane Cerullo

      I said yes for my current Medicare advantage insurance. I will be switching plans January 1. Old plan did not have good coverage for insulin. Expensive and runs into Medicare gap (donut hole). New one caps insulin at $35 per month per insulin type. I plan to switch from pump to MDI. Have pump fatigue. Tired of being connected 24/7. If not happy can go back to a tubed pump. This plus the insulin are covered free under Part B. Which I find hard to fathom but I guess they figure the pump should last for years. But they also cover the insulin free. Strange Medicare rules.

      1
      2 years ago Log in to Reply
      1. Pamela Newman

        My Medicare Part B fully covers my insulin since I use a pump (Omnipod). I believe it’s classified as durable medical equipment.

        2
        2 years ago Log in to Reply
      2. Kristine Warmecke

        That was my understanding, too, of Medicare Part B with insulin being covered 100% when using a pump. Unfortunately it’s not the case for myself. Mine only pay’s 20% of the cost.

        1
        2 years ago Log in to Reply
      3. n6jax@scinternet.net

        yes… it is all screwed up !!!!

        1
        2 years ago Log in to Reply
    8. Karen Newe

      NoO deductible with Kaiser.

      2 years ago Log in to Reply
    9. Mark Schweim

      I always thought ALL Insurance “Annual Deductible” reset at the start of the year, though some policies run the policy year from January 1 to December 31 while other policies run the policy year from the first date the insurance came in force until the same date the following year.

      But based on policy wording, I’m wondering how much more my costs will be next year since in 2021 nearly 100% of my needs were covered through Pharmacy Benefits with NO co-pay or deductible, but the documentation says in 2022, my insurance will only cover up to 80% of costs leaving me having to pay for most things I haven’t been having to pay extra for in 2021.

      2 years ago Log in to Reply
    10. LizB

      Mine restarts in January. A few years ago when my job was switching plans they waited until January 1st to have the new (current) insurance start. In the past I have had insurance where it started mid-year. Fortunately the deductible does not come into play for my diabetes supplies (pump, infusion sets, sensors etc). I have a straight co-pay for all of that.

      2 years ago Log in to Reply
    11. Jneticdiabetic

      I have to pay 50% of my CGM and pump supply costs and $15 per Rx until I’ve spent $1500 out of pocket, then meds/supplies 100% covered. Usually end up just getting my Dec refills free. It’s like a holiday surprise that I paid for. Haha

      2
      2 years ago Log in to Reply
    12. kristina blake

      I answered I don’t know. It depends, my employer benefit year is 81-731. My other coverages are 1/1-12/31. I also recognize that specialized medicine and single-payer coverage are two different things. The UK system is a system where HCP’s etc are “govt” employees. Most other single-payer countries still have private practice HCP’s choice of hospital etc. The “network” thing is an American thing, invented by health plans. A while ago I crunched the numbers and yeah, my taxes would go up by about $500=600 But…my monthly premiums are $1,100/month. Single-payer would be more $ in my (or my employer’s) pocket.

      1
      2 years ago Log in to Reply
    13. Mick Martin

      N/A. I don’t have health insurance, apart from the NHS (National Health System) over here in the UK (United Kingdom of Great Britain and Northern Ireland), which is financed via direct taxation from the wages/salaries of all working people.

      1
      2 years ago Log in to Reply
    14. Steve Rumble

      My insurance has copays but no deductibles

      2 years ago Log in to Reply
    15. Becky Hertz

      On a Medicare advantage plan, no deductible.

      2 years ago Log in to Reply
    16. Lawrence S.

      I clicked “yes.” But, I’m not certain. It seems that my Medicare deductible hits me each year at the beginning of the year.

      2 years ago Log in to Reply
    17. Jacqueline Sanders

      I live in the UK and all my prescriptions are free as Diabetes qualifies for free prescriptions for all medication on the NHS (National Health Service)

      2 years ago Log in to Reply
    18. Wanacure

      I think my deductible in Washington with KP cheapest Medicare Plan is $4000 per year. The doughnut hole. Only time I met that was after being hit by a car resulting in broken hip.

      2 years ago Log in to Reply

    Does your health insurance deductible reset on January 1st? Cancel reply

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