21 Comments
How satisfied are you with your current health insurance plan?
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I’ve the best plan offered through my wife’s employer with an $11K deductible for my wife & and our best choice was to ALSO purchase a concierge plan with a Dr. dropped by our plan. My lab work today saved me more money than we spend for the concierge Dr.
I had a great PPO through my employer, with decent drug coverage and a great mail-order pharmacy. We were dropped in mid-summer after meeting deductibles and were switched to a $4,000 high deductible plan and they told us that we had to start our deductible all over again. I fought that and won. Having T1D is expensive, and our president wants to do away with protection for pre-existing conditions having no idea what real life costs.
N/A as I don’t have a health insurance plan … unless you count the NHS (National Health Service) over here in the UK. This is financed via direct taxation of all working people, which means that I don’t have to pay for my diabetes-related supplies.
I would say satisfied, which is not one of the selections offered. Medicare with United Health Care supplemental. NHS is broke as is our Medicare/Medicaid. In England one is allowed to buy supplemental insurance, ergo not all people are covered by NHS alone. In France it is the same. One may purchase supplemental insurance, I have a friend there with 3 supplemental policies. When has the president said he wants to eliminate coverage for pre-existing conditions.
Neutral. I’m on Medicare for SSDI and have an Advantage Plan. I used the same provider from living in Florida to Texas. The Texas plans don’t cover T1D supplies as well.
I don’t know where some people get their information, but our president and all the representatives of the present government has repeatedly said that protecting existing conditions is a prior Edy in any new health care plan.
The obamacare debacle stopped letting me use the plan that i liked, that was BS, and even worse when they knew that would happen. i wish govt would get out of trying to provide healthcare for everyone. that is not in our founding constitution. not sure why everybody thinks the govt is better running our healthcare?? i had to purchase the obamacare plan and it sucks because my deductible is $6k and my total premium is $9k.. i use to pay $75 a month for $10k deductible, and just purchase my needles,insulin and finger sticks. i now pay $9k a year, and still have to get all my supplies that never go past $6k
Let’s not spread false information. Anyway to answer the question I have Medicare and a supplemental with Anthem through the company my husband retired from. This year I was offered an enhanced plan for a bit of a higher premium and I took it. No deductibles and no copayments except on my prescription plan that has to go through the government run part D. Before Obama care I had an excellent insurance where the prescription plan had nothing to do with the Medicare part D, but that was cancelled. So I was not helped by Obama care on the other hand I had to jump through the hoops to ensure a good coverage that result more expensive and restrictive than before.
I keep my current plan (an HMO) because the co-pays and Rx coverage are good. But I am not impressed with the medical care/D mgt policies. They have lower standards (i.e. higher A1C, looser D mgt) than I do. I smile sweetly, and then go about my D mgt the way I want to. I have great A1C’s and time in range (a narrower range than they expect) – ergo I feel I am healthier.
I am Canadian and pay $120/month for my husband and myself. I have some coverage for blood testing strips but it is very limited. This Blue Cross plan we have provides no coverage at all for CGMs. It does provide some coverage for prescriptions, but not for an insulin like Tresiba or Fiasp. It’s like they pick on those who need the meds the most. I do find it really horrible, but we have a terrible premier (who is leading our province) who is also under investigation for voter fraud…
I would be very satisfied with my Medicare Advantage plan, if my insulin didn’t cost 3/4 of my monthly income. Only issue I really have with it. I’m not sure why people are bringing up pre existing conditions and saying the current POTHUS is trying to protect it? Have you seen the law suites by his Senator yes men to get rid of pre existing conditions? He’s telling you one thing and doing the opposite as usual.
I am satisfied with an excellent Medicare Advantage plan that covers everything I need to manage my T1D except for Baqsimi, for which I pay a negotiated out-of pocket price under Tier 3 coverage. It will even be better in 2021 with the cap for insulin coverage.
Blue Cross/Blue Shield/Blue Plus has been been my primary coverage while Ilive in MN. Medicare is secondary. As far as office visits, urgent care, labs it has been good. The insulin is covered through PartB of Medicare. The issue is lack of coverage for some of the immunizations is the one I do need. the other situation is withe emergency glucagon kits. . They refuse to pay for them. I cannot afford them without help. I am afraid this situation will not be resolved. Life is good One day at a time. Sweetblood
The Affordable Care Act is not meant as the only health care coverage choice for everyone. Truth be told it does help millions of people gain access to reasonably affordable health care. It is sad, harmful, and shameful that the ACA has become so misunderstood and politicized.
I chose “moderately satisfied” because I have Cigna’s High Deductible Health Plan. The coverage is excellent including customer service which is rare for insurance companies. But I pay a pretty penny for it. I also pay for all medical expenses until we reach our family $6K deductible which is usually met by March of each year due to the exorbitant cost of having Type 1 in the US. If it was more affordable, I’d likely marry it.
I use Keystone First which covers all costs for my syringes and my NPH. Years ago, I had two doctors who advised me to use Lantus… back in the day when a vial was only a bit above $100 or so. This was long before I had an insurance plan. I was able to pay for the thing out of pocket. Well, we all know what happened next! Lantus now sums for almost 400 smackers. At first, Keystone wouldn’t cover it, probably because of the exorbitant price tag. But last time I checked with them, I found out they changed their policy and WILL cover it… but they won’t cover the new Semglee, a Lantus substitute that is a lot cheaper! Go figure…
I’m using Medicare with supplement plan. If I did not research, question and push when needed, my insulin and supplies would be costing thousands of dollars a year. If you carefully do the work it’s an ok plan combo, if not you can get screwed because of all the rules and regs that have to be followed or challenged.
I have original Medicare and a United healthcare supplement with a Humana part D prescription plan. I selected moderately satisfied as my insulin for my pump, test strips, CGM are all covered under my part B insurance at no charge after the $200 a month supplement premium and annual Medicare deductible. however my prescription drug plan doesn’t cover a lot of the various other medication that I use including glucagon. I always check the good RX website to see if there are discount coupons for medication and have sometimes found this to be a better deal. But, why should I have to do that if I am paying for prescription drug coverage? I wish insurance companies would realize that if they covered all the things that diabetics need to better manage their diabetes it would cost them less in the long run due to better health and if you were complications. It is sad that some people have to pay so much for their diabetic supplies or make decisions to do without or ration.
I am satisfied with the current insurance plan I am on through my husband’s employer. Many options and abilities to try new ways to control diabetes and epilepsy within a quick time would not be available without it. I have not used a different insurance plan while with diabetes, only with epilepsy. During that time I was without, on Medicare and our current plan, which I again think is the best. I am curious of how our insurance will change with retirement in hmmm…. less than twenty years. Again, hopefully research will have made bounds of helpful new discoveries.
Our previous private insurance through employment was better than Medicare. A few months after starting to use Medicare they started covering CGM’s, which had been covered under private insurance for year (for things like hypoglycemic unawareness). But getting Medicare to pay means jumping through hoops that were not helpful. To get a pump, Type 1’s have to see their endo every 3 months. Under private insurance 6 months sufficed. My doctor has limited time and does not enjoy the requirement that he see me more often now. And the pharmacy where I get my insulin never succeeded in getting Medicare to pay for it. I had to file my own appeal, not something 95% of retirees would be able to do. They turned down the claims by CVS at least twice before I submitted my own appeal, which worked. CVS serves a lot of pumpers on Medicare, so it should not have been so difficult. Medicare was paying another provider for my pump supplies, but told CVS they had no evidence that I used a pump!!! Clearly a lot of wasted money for CVS and for Medicare employees.
Moderately satisfied, ecstatic that using an insulin pump that my insulin is covered under Part B along with all of my pump supplies. We have United Healthcare as our Medicare Supplement and they pick up the 20% remaining balance.