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    • 3 hours, 33 minutes ago
      Greg Felton likes your comment at
      If you were to request the next available appointment with your T1D healthcare provider, when do you estimate the next available appointment would be?
      Before the onslaught of Type 2 Diabetes, I, as a T1D, could get an appointment almost anytime I needed one. Now, I cannot get an appointment within 3 months, which is the time within I must see rhe doctor for Medicare benefits. My doctor cancelled 2 (half ) of my sppointments last year. Caused ma a lot of problems. I live in Florida, a place where modern medicine does not seem to have reached yet.
    • 3 hours, 33 minutes ago
      Greg Felton likes your comment at
      If you were to request the next available appointment with your T1D healthcare provider, when do you estimate the next available appointment would be?
      I routinely see my Endo every three months. At the end of my appointment I schedule the next quarterly meeting date. But if I ever have to reschedule it, then it takes anywhere from two to four weeks to find a time that works for us.
    • 5 hours, 29 minutes ago
      Mike S likes your comment at
      If you were to request the next available appointment with your T1D healthcare provider, when do you estimate the next available appointment would be?
      It all depends on the urgency of my needs. I’ve gotten in the next day before, but those days may be gone! It also depends on who I see. But these days, even the PA is often booked. Of course, cancellations happen, so that can be a factor as well.
    • 5 hours, 45 minutes ago
      Jeff Marvel likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      The beginning of the year is always a bit iffy when you're on Medicare. Even though I've already paid my annual deductible, my pharmacy can't see that, so I must wait until it shows up on my Medicare account before I order new insulin. I always try to have plenty of insulin on hand at the end of December so it's not an issue. The organization I get my pump equipment from has a lot they must do because of Medicare, as well, and that can get time consuming. All-in-all, I'm lucky to have the time, energy and patience to deal with it, and I know up front these time-consuming moments are to be expected. If I wasn't retired, it'd be more of an issue.
    • 16 hours, 56 minutes ago
      Gerald Oefelein likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I selected 6 hours. So far, I have spent 6 weeks trying to get a new pump. I decided to look for a new pump in mid-December as my 770G warranty expired on January 3. I wanted to go hoseless with the Omnipod and the Dexcom 6. I contacted Dexcom and they sent me to the medical distribution company ASPN, and they could do the Omnipod but only with pharmacy part D with the Dexcom 6 sensor on DME My part D pharmacy plan had Omnipod as tier 6. $155.56 co pay and $150/month. The omnypod is not available as DME. I called INSULET the mfgr of omnipod. They told me they only supply via pharmacy plan to get more T2d's to sign up. Verses 100% DME coverage, part D coverage that was a non-starter. I contacted another supply company CCSmed. They could do both Dexcom 6 and tslim x2. Ineeded a Endo visit to get the notes and Rx. I had my Endo visit on Jan 20. Still waiting for CVSmed. Been waiting for 5 weeks now. Just called CCSmed and they got the endo notes and Rx but Medicare wanted to know who paid for my 770G 4 years ago. Fortunately, that was private/company. My new pump should now ship tomorrow. Finally.
    • 20 hours, 44 minutes ago
      Wanacure likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      Most of the 3-4 hours is way ting on a phone
    • 20 hours, 47 minutes ago
      Wanacure likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I answered "No time," but I live in France, where we have a single provider. I receive a prescription from my doctor and go to the pharmacy monthly to have it filled. (Pump peripherals are provided by a separate supplier.) "Appeals" do not exist here since the doctor will only prescribe medicines that are reimbursed. And no, I have never needed a treatment that wasn't covered.
    • 21 hours, 29 minutes ago
      Wanacure likes your comment at
      When you experience an illness that makes your blood glucose levels more difficult to manage (whether because you are unable to eat, the stress of being sick, or any other reason), what resources do you refer to for help managing your blood glucose levels while sick? Please select all that apply to you.
      The resources I use in managing my glucose levels once sick is my own personal experience after living with t1d for 46 years
    • 21 hours, 29 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      Switching to Medicare has created (seemingly) endless hours and day making this transition with all things diabetes related. We’re still in the midst of making this ā€˜delightful’ change. This week we learned that Medicare covers Either CGM stuff OR glucose test strips. Thank goodness that God is sovereign over all these details. He helps me walk through these challenges without despair.
    • 21 hours, 31 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      The last 3 months have been filled with frustrating phone calls now that I switched back to traditional Medicare from a Medicare Advantage plan. I have been fighting to get strips authorized in addition to CGM- they did not authorize them because I had no proof that I had a meter!! Crazy making! I had to write an appeal letter in order to get them, but finally got it worked out. I also had some pump replacement issues, trouble getting insulin, etc.
    • 21 hours, 36 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I answered "No time," but I live in France, where we have a single provider. I receive a prescription from my doctor and go to the pharmacy monthly to have it filled. (Pump peripherals are provided by a separate supplier.) "Appeals" do not exist here since the doctor will only prescribe medicines that are reimbursed. And no, I have never needed a treatment that wasn't covered.
    • 21 hours, 37 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      Much too much time! Part of it, I know, is my own fault, for not keeping anxiety at bay when I have to sort out which plan will work best, annually. But it is something I dread, every single year. When I call to get some help understanding, the people are almost always very nice, but I have had times when the information was incorrect or not explained clearly. I usually commiserate with the person on the phone for having such an annoying system, and agreement seems to rule the day. But I never chose to make sorting out insurance management a career!
    • 21 hours, 39 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I selected 6 hours. So far, I have spent 6 weeks trying to get a new pump. I decided to look for a new pump in mid-December as my 770G warranty expired on January 3. I wanted to go hoseless with the Omnipod and the Dexcom 6. I contacted Dexcom and they sent me to the medical distribution company ASPN, and they could do the Omnipod but only with pharmacy part D with the Dexcom 6 sensor on DME My part D pharmacy plan had Omnipod as tier 6. $155.56 co pay and $150/month. The omnypod is not available as DME. I called INSULET the mfgr of omnipod. They told me they only supply via pharmacy plan to get more T2d's to sign up. Verses 100% DME coverage, part D coverage that was a non-starter. I contacted another supply company CCSmed. They could do both Dexcom 6 and tslim x2. Ineeded a Endo visit to get the notes and Rx. I had my Endo visit on Jan 20. Still waiting for CVSmed. Been waiting for 5 weeks now. Just called CCSmed and they got the endo notes and Rx but Medicare wanted to know who paid for my 770G 4 years ago. Fortunately, that was private/company. My new pump should now ship tomorrow. Finally.
    • 21 hours, 39 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      The beginning of the year is always a bit iffy when you're on Medicare. Even though I've already paid my annual deductible, my pharmacy can't see that, so I must wait until it shows up on my Medicare account before I order new insulin. I always try to have plenty of insulin on hand at the end of December so it's not an issue. The organization I get my pump equipment from has a lot they must do because of Medicare, as well, and that can get time consuming. All-in-all, I'm lucky to have the time, energy and patience to deal with it, and I know up front these time-consuming moments are to be expected. If I wasn't retired, it'd be more of an issue.
    • 21 hours, 39 minutes ago
      August Rossano likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I said 8+ and the reason, as for so many others, can be summed up in a phrase: transitioning to Medicare.
    • 22 hours, 15 minutes ago
      Wanacure likes your comment at
      On a scale of 1-5, how satisfied are you with your current insulin delivery method (pump, pens, syringes, inhaler, etc.)? 5 = the most satisfied, 1 = the least satisfied
      I’m a reasonably satisfied MDI user with Lantus and Fiasp. I’ve looked into getting a pump but honestly, until I find one that does everything I want, I’ll probably hold off. My wish list for a pump: 1) no tubes 2) works well with Fiasp 3) controls that allow me to stay at my target of 70-90 mg/dl all night long.
    • 22 hours, 26 minutes ago
      Wanacure likes your comment at
      On a scale of 1-5, how satisfied are you with your current insulin delivery method (pump, pens, syringes, inhaler, etc.)? 5 = the most satisfied, 1 = the least satisfied
      MDI for the past 60 years and do not see any alternative that I would prefer. The needles for my pens are so thin and sharp that they are painless (a far cry from the lancets I once used). chiefly, I am glad not to have to deal with setting up a pump and. Although I love my libre, I am not good candidate for having devices affixed to me. If my insulin delivery got interrupted they way i have interrupted my cgm service, I would have been in trouble. Furthermore, I have a track record of having both mechanicall and electronic things malfunction. (Seriously, I sometimes act as a beta-tester for technology folks. Maybe I push to many buttons?)
    • 22 hours, 38 minutes ago
      Wanacure likes your comment at
      On a scale of 1-5, how satisfied are you with your current insulin delivery method (pump, pens, syringes, inhaler, etc.)? 5 = the most satisfied, 1 = the least satisfied
      I've had Tandem x2 and Dexcom since September. Previously on Medtronic for around 15 years. Grew to HATE the sensors and switched before the warranty on my last Medtronic was up. So far, I absolutely LOVE the Tandem and the Dexcom. I'm disappointed, however, in the amount of waste and plastic that this pair creates. Of course there will always be plastic waste from any pumps/sensors, but the amount of non-reusable stuff for insertions is ghastly.
    • 22 hours, 39 minutes ago
      Wanacure likes your comment at
      On a scale of 1-5, how satisfied are you with your current insulin delivery method (pump, pens, syringes, inhaler, etc.)? 5 = the most satisfied, 1 = the least satisfied
      Have your doctor prescribe the syringes with .5 unit increments instead of the 1 unit syringes. Not quite a .1 unit which you are hoping for, but .5 is better than 1 unit increments.
    • 23 hours, 54 minutes ago
      Ahh Life likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I answered "No time," but I live in France, where we have a single provider. I receive a prescription from my doctor and go to the pharmacy monthly to have it filled. (Pump peripherals are provided by a separate supplier.) "Appeals" do not exist here since the doctor will only prescribe medicines that are reimbursed. And no, I have never needed a treatment that wasn't covered.
    • 1 day, 1 hour ago
      ConnieT1D62 likes your comment at
      In your own words, how would you describe the feeling of a severe low?
      Nothing short of terrifying. I often go into seizures, having no idea where I am, who anybody, or even if I’m alive or dead. I’ll feel like I’m falling or hurtling toward something. At home I feel like my house is tilting. Im leaving a lot out but these are some of the scariest things.
    • 1 day, 1 hour ago
      Modee likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      Most of Europe has the right idea! Is it a good health system for you overall? The US may be too large to implement a national system, but that doesn't hold states back (as long as there is federal money to help).
    • 1 day, 1 hour ago
      Modee likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I answered "No time," but I live in France, where we have a single provider. I receive a prescription from my doctor and go to the pharmacy monthly to have it filled. (Pump peripherals are provided by a separate supplier.) "Appeals" do not exist here since the doctor will only prescribe medicines that are reimbursed. And no, I have never needed a treatment that wasn't covered.
    • 1 day, 1 hour ago
      Modee likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      I said 8+ and the reason, as for so many others, can be summed up in a phrase: transitioning to Medicare.
    • 1 day, 1 hour ago
      Modee likes your comment at
      Over the past 3 months, how much time would you estimate you have spent working through T1D prescription-related issues with pharmacies, insurance companies, durable medical equipment distributors, T1D device companies, health care providers, etc.?
      PUMP USERS: Just in case nobody has told you, if you use a pump, Insulin is considered durable medical equipment, which can save a lot of money, even with the new price cap
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    Have you had any issues obtaining life insurance because of T1D?

    Home > LC Polls > Have you had any issues obtaining life insurance because of T1D?
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    24 Comments

    1. Anthony Harder

      My parents bought a life insurance policy for me as an infant before being diagnosed with T1D. I have never purchased life insurance individually because of the extremely high cost, proof of eligibility, and low benefit. I have purchased life insurance through employers, but extending it has the same issues as individual purchase.

      3
      2 years ago Log in to Reply
    2. Philip Bunsick

      I am not able to get life insurance on my own. I have high blood pressure also but for some reason the industry seems to think I am going to drop dead tomorrow. The only life insurance I am able to get is Group insurance or if I am luck to be able to get guaranteed issue – which I found and took advantage of for a small amount of coverage.

      2 years ago Log in to Reply
    3. Henry Renn

      In early 1980s had offer of group insurance for diabetics. Disqualified bc I was diagnosed before age 5. Missed cut off by 5 months. I’m still here. Dropped individual $10K policy that had been converted from group life after retirement. Increase in rates showed that company was encouraging people to drop it. Holding down funeral costs by choosing cremation & burial in church memorial garden.

      2 years ago Log in to Reply
    4. Kristine Warmecke

      I was lucky, my parents bought life insurance for myself & my brother before either of us were diagnosed. Thankful for this, as my brother was diagnose at 7 months old.

      2 years ago Log in to Reply
    5. connie ker

      Fortunately, I had life insurance before diagnosis and so does my son who is an adult now with T1D. He has very low premiums because he was young and healthy when his policies were purchased. My husband bought 2 policies rated up because of his T1D and the premiums ballooned higher and higher each year that he lived. We managed to keep those policies, but they became cost prohibitive as he aged into his 80s. I had trouble getting health insurance and was on the state high risk plan which was replaced with OBamaCare. Thankfully, the doors opened up that year and I could get onto Medicare with a supplement and RX plan. Who knows what to expect forthcoming.

      1
      2 years ago Log in to Reply
    6. Greg Felton

      I am lucky to get basic life insurance for myself through my employer’s benefit package, but I can’t ā€œenhanceā€ the policy without ā€œevidence of insurabilityā€ (the insurer’s term) and T1 disqualifies me.

      2 years ago Log in to Reply
    7. Jimmy Boling

      Was able to purchase but was rated.

      2 years ago Log in to Reply
    8. Joan Fray

      Tried to get it when Our son was born, for myself, but t1d at age 12 made it way too expensive. We bought land in California instead. He will be well fixed when we die

      2
      2 years ago Log in to Reply
    9. Megan W

      I only have term life through my employer. I can increase it by 10k every year without having to do the evidence of insurability, so I do that as it isn’t too expensive. Otherwise, it is much too cost prohibitive or I won’t be approved to have a policy on my own. I prefer to save through other avenues because of that.

      2 years ago Log in to Reply
    10. Nicholas Argento

      Expense was a major issue. I was rated at 400% even with good control and no meaningful complications, many years ago. I got it with multiple small policies over time, some as term which did not require medical screening, but have now let them all lapse, because their cost was going up too much based on my age, and my kids are grown, etc. No longer worth it.

      1
      2 years ago Log in to Reply
    11. Derek West

      I did not have an issue obtaining life insurance but I did have to pay a higher premium because of T1d

      1
      2 years ago Log in to Reply
    12. Alison Neumann

      My mortgage company denied life insurance for me, but accepted for my healthy husband. Instead we went to our independent insurance agent who found a great life insurance option for me, although it is about $100 more per year than my husband, but I’m happy with the coverage.

      1
      2 years ago Log in to Reply
    13. Bob Durstenfeld

      The only way I could get life insurance that was not tied to an employer was on a chance employment that offered a roll over policy upon leavjng.

      2 years ago Log in to Reply
    14. Alyne Branson

      I have term life but it is more expensive than my husband’s and he has more family history or problems. All I have against me it the T1D.

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

      Years ago I was charged a higher premium for whole life. I subsequently cancelled that policy and obtained term life through my Federal employment. That policy got more expensive as I aged, but I had less need of the insurance once my kids were grown and let it revert to 25% (free) once I retired,

      1
      2 years ago Log in to Reply
    16. Jerome McClellan

      I have term but pay 3X what my wife’s premium is. Both the same age. Fortunately the policy has been the same price for 20 years and we’ll probably drop it in 4 years once my son’s out of college.

      2 years ago Log in to Reply
    17. Lynda Covello

      I find that insurance companies do not distinguish between Type 1 and 2, with the result that the larger and generally older Type 2 population obscures the Type 1 data and skews the ratings so that Type 1 is penalized with unfairly inflated premium rates — as far as i am aware, this hasn’t changed since 1983, when i first applied, at the 10-year mark of living with Type 1.

      1
      2 years ago Log in to Reply
    18. Ken Raiche

      No problem what so ever just super expensive.

      2 years ago Log in to Reply
    19. KarenM6

      I’ve been flat denied life insurance a couple of times. I didn’t even get a chance to be offered super expensive life insurance!

      2 years ago Log in to Reply
    20. Julie Akawie

      Like many have already said, my parents purchased LI for me as a child, which I’m certain has a TINY payout. I also get guaranteed coverage from my employer, but will never apply for any additional coverage that requires a statement of fitness. The actuaries do not seem to care that my A1c is below 6%, or that my weight is stable, or that people diagnosed before the age of 5 statistically have a lower rate of kidney failure or other life-threatening complications. Sigh. Now that my kids are older, it’s less of a concern, but I’m still a bit cranky about it all.

      2 years ago Log in to Reply
    21. Cheryl Seibert

      Yes, I am unable to get an affordable individual life insurance policy. However, I always have taken out supplemental life policies through my employer. At exit from the company, they are normally convertible to private policies without re-enrollment questions about health conditions.

      2 years ago Log in to Reply
    22. Ginger Vieira

      Insurance companies treat T1Ds like we’re a walking death sentence. They’re basing this on extremely outdated data about the longevity of people with T1D and it’s really, really wrong!

      1
      2 years ago Log in to Reply
    23. Sally Numrich

      It has always been an issue. Anyone with diabetes or cancer is done. I can now only get it through work.

      2 years ago Log in to Reply
    24. NAK Marshall

      I was able to get it during the one time my school district (I was a teacher) offered it from a company that had no medical questions. I had researched and researched and no company would do it and they absolutely did not care how well controlled I was and had no side effects although I’d been Type 1 already for 35 years. so I was lucky.

      2 years ago Log in to Reply

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