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Long Lost Member
jschanz
Total Posts: 5
Registered on: ‎03-28-2010

What does Obama's Health Care mean to Type 1's?

Hello,
My daughter, age 8, is the diabetic in the family. She was diagnosed not very long ago (type 1), and we've been wrestling with insurances, doctors and government aid ever since (she had no insurance prior to diagnosis). I'm not at all happy with our current (pre-Obama) system, but I'll admit that I was very against the notion of federal government sticking their bulbous noses into anything concerning my daughter's care. We are currently being assisted by the state of California, and I'm not sure how long that will last, depending upon our financial situation improving, or maybe Obama's plan upsetting the tea-cart. I really don't know how Type 1s will be affected by the new situation. I am needing to hear everyone's opinion on what it may mean to us. Good and bad. It doesn't matter if you're a Obama supporter, or critic. I just want to know what the new options and limitations might be for Type 1s. Regardless of the support or critcism of the new plan, it's signed and we have to see what the results mean. Can anyone shed some light, or insight on this topic? And please, no propagandist fluff, or political rhetoric from either side. Real info, real discussion. Thank you.
Trusted Contributor
morrisolder
Total Posts: 10,625
Registered on: ‎11-28-2009

What does Obama's Health Care mean to Type 1's?

Somehow I missed this thread for a year...

Yesterday was the anniversary of the day the bill was signed...

Only one response mentioned the most relevant important part of the law to the original poster's question.  The new law already has abolished exclusion from coverage for pre-existing conditions for children (for adults that waits until 2014). And it also requires insurance companies to allow minors to stay under their parent's policies until the age of 26. It also has mandated that insurance policies in all states cover the costs of diabetes testing and supplies. This was true in 46 states before this law passed, but that required tireless advocacy from the ADA.

So it already has made quantum leaps for children with diabetes, regardless of what anyone thinks about the rest of the law. No wonder the ADA has been a strong supporter of this law.

Quite apart from that, I see the eventual requirement that everyone buy insurance is quite similar to the requirements in most if not all states that everyone who owns a car must buy auto insurance, or that motorcyclists wear helmets.. When  someone who is uninsured now gets ill, they don't see a doctor and end up in the ER, where we all end up chipping in to pay the bill, a bill that is much higher because the care has ben delayed until they reach the breaking point. Mandating coverage will get them into the doctor sooner, and what critics of that part always forget is that the law provides subsidies to help pay for that coverage for people earning up to 3X poverty level income.
Morris

Diagnosed Type 2, with an A1c of 11.4 in 2003; averaging a 5.0 A1c since then with diet, exercise and Glipizide XL + meds for blood pressure and cholesterol. 
A bit dated, but scroll down on this page if you want to know more ...


Long Lost Member
jschanz
Total Posts: 5
Registered on: ‎03-28-2010

What does Obama's Health Care mean to Type 1's?

I've noticed that when I tried to get some insurance quotes now, I actually receive quotes. Before, we were shut out completely, and had only the options of government assistance. The quotes aren't good.. but they are at least quotes. Anyone else tried to get new insurance lately? Any changes for you?
(anon)
Total Posts: 0

What does Obama's Health Care mean to Type 1's?

with all due respect to your governmental beleifs there is two points that should be noted in this equation without the government aid of your state your daugther would be dead without insulin, you couldn't pay for it out of your own money, and that sir is the point. because i will pay anything possible to get my hands on a bottle of insulin and the drug makers know it so do doctors, and insurance companies, look at the cost of insulin over the past 80 years then look at how much it actually costs to make the insulin then vs now and now they make replicate batches off of previous batches sort of like a seedinging plant which makes it virtually inexpensive to produce after time but yet the cost of insulin has gone from 35 dollars to 125 dollars in a matter of years.

don't get me wrong docs need to make a good living so do drug makers insurance comapny is debateable i would prefer a public option because from a patient's standpoint a single payer is your best financal option and best option to not be shut out as i have been praying for my restaurant doors not to close because i always make too much for medicaid and without insulin i am dead.
(anon)
Total Posts: 0

What does Obama's Health Care mean to Type 1's?

in 83 days all pre exers will go into a high risk pool with capped premiums supplimented by the government by 5 billion dollars, i dunno about you but i don't see a private company putting that much money up for me to make sure i can pay for my premiums.
Long Lost Member
breeze..2..user
Total Posts: 99
Registered on: ‎02-12-2010

What does Obama's Health Care mean to Type 1's?

From what I understand, various aspects of our lives are going to be immediately taxed now.. while a good portion of the "Obama Government (we will take care of everybody for life) Health Plan" won't go into effect until after 2014.

Now where that leaves us who have Diabetes has to be seen. As it stands now, my benefits (SS) are being cut.. so I guess you know where that puts me.

Breeze..2..User
Long Lost Member
jschanz
Total Posts: 5
Registered on: ‎03-28-2010

What does Obama's Health Care mean to Type 1's?

Thanks for the reply, but chastising me for my beliefs doesn't help me or you. But as part of the discussion, I can at least bring something to the table. Currently I am living in London, and my family is still in Cali. It just so happens that they have the public option here. The Pros? My daughter (if she moved here) could receive all the meds she needs for life, no resrictions. The Cons? I pay almost $600/mo (equiv) for this service. The system works similar to an HMO, where you HAVE to go through general practitioners first, who refer you to specialists. Problems are that it takes sometimes months for appointments just to the GPs, and who knows how long after that for specialists. Specialists are thin in number here, I would speculate because they are studying and practicing abroad, but I truly don't know. The government either regulates most things, or runs them here. And all I hear is complaints. The economy sucks here too, by the way. So public option isn't a fix-all. It has good and bad. I'm just trying to figure out what it really means for us now in the USA. And yes, I am grateful that the state is helping. The only problem is that they wouldn't until my wife and I said we were separated. And I'm worried that because I'm making money again, we're going to lose MediCal too. Your situation obviously sounds like state sponsored coverage would aid you, so I can see your reasoning for it. We all have reasons and stories.
Long Lost Member
jschanz
Total Posts: 5
Registered on: ‎03-28-2010

What does Obama's Health Care mean to Type 1's?

83 days is good info to know. I am worried where all the money will eventually come from in the end. It always seems to come out of my pocket when all is said and done. But it does sound good at the moment. Hope it works out. I'm just surprised that insurance companies are even giving out quotes for pre-exers. They didn't before. Is that too a new development from the new plan? That fast? Or have I just been out of the loop, and pre-exers were getting quotes before, just bad ones. By the way, the quotes weren't good, but better than nothing.
Long Lost Member
jschanz
Total Posts: 5
Registered on: ‎03-28-2010

What does Obama's Health Care mean to Type 1's?

Breeze 2 user -- Thanks for the reply. I agree the middle class usually winds up with the burden regardless of where they start to shake down. We'll see. Is your SS getting cut because of the new plan? Or is that just part of your unfortunate situation for other reasons? Sucks for you either way, but I'd hate to think SS is taking a hit to sacrifice for this plan. If you can. please explain.
(anon)
Total Posts: 0

What does Obama's Health Care mean to Type 1's?

i wasn't trying to chastise anything you made a comment about obama involved in care when you already use medicaid, but that isn't my point i think you ought to move her to where she is guarneteed insulin on a regular basis not how much you can stock pile for hard times which i currently do here that is until 83 more days then i can finally buy insurance. from a patients stand point a single payer is the best way to guarentee care. i hope you find whats best for you and yours, but the government IS actually looking out for the people in this instance and not so much big business.