Juvenile Diabetic with no Insurance

Diabetics often have some of the greatest needs for a wide variety of medications and medical supplies on an ongoing basis.
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Juvenile Diabetic with no Insurance

Postby mnikpat » Mon Feb 11, 2008 4:50 pm

My daughter is 8 years old and was recently diagnosed with Type 1 Diabetes. At the same time, she and her sister were being dropped from our state children's insurance plan because we had exceeded the income limit. She has been denied health insurance coverage from every company that we have contacted. Can anyone refer me to assistance programs? Or do you know of any insurance companies that cover Type 1 diabetics? Thanks for any help you can give.

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mnikpat
 

Postby jimithy » Mon Feb 11, 2008 11:35 pm

The website www.ipump.org takes donations of diabetes supplies and distributes them to other organizations that serve people in need. There is a list on their site. They try their hardest when it is a young child such as your daughter that needs help.

www.IsletsOfHope.com is another great place to find information about diabetes and how to get assistance.

While you are trying to find a permanent solution... there are other measures you can take.

You know you deserve help from the government, they have just set an arbitrary income limit that eliminates your access to CHIP (BTW the new federal budget is supposed to cause a lot more problems with many CHIP state programs.)

Anyway, one method is to use your community health center (or clinic). They have a sliding scale, they usually respond quickly to major problems with a child, and they are usually too busy to closely check your gross income. I'm not saying you should lie to them, but you know what your effective income is after the major deductions such as caring for your daughter's health will be. I see nothing wrong with giving a more realistic income instead of the ludicrous "gross yearly income" that never reaches your pocket. Remember too that sliding scales are also based upon family size.

There are also "free clinics" that can be used.

The local hospital emergency room cannot turn you away based upon your lack of insurance or ability to pay if your daughter has a life threatening condition. Juvenile diabetes left untreated is a life threatening illness. Hospitals typically have to write off most of the bills from the emergency room. If you are willing to go on a meager payment schedule with them ($5 or $10 a month?) then they usually are pretty happy and nothing goes on your credit report as long as you make your payments on time.

Reducing your costs can help for a while. Read Specifics About Getting Free or Low Cost Diabetic Supplies

Something that can help is to reduce ALL of your families prescription and over-the-counter medication costs. If you look at the topics under THE EASY WAY: Give us your list of drugs then we will give your specific ways to save You will find that we have always been able to substantially reduce costs... whether you have insurance or not... no matter what your income. Simply list ALL your medications and the costs you pay (including drugs with co-pays) and we will give you methods to reduce the costs. We don't reduce the costs of ALL medications... but we do reduce your overall medication bill. (BTW it helps if we know why each medication is used and who in your family - just age and which sex - is using it. Any specifics about any health insurance any member of your family has can help us too.)

Please ask if you need more information.
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Postby dlcnurse » Sat Feb 16, 2008 12:53 am

There are a few sites online that may be of help to you in being able to get insurance and or supplies for your 8 year old. Many times insurance companies have a pre-existing clause in regards to insurance coverage but there are options.
This site is the Childrens Diabetes Foundation. The link provided is a page with numerous other organizations that may be of help, pharmaceutical links that provide medications, etc.

http://www.childrensdiabetesfdn.org/links.html

Another site that may be helpful is:
http://www.bphc.hrsa.gov/
which is a site for Primary HealthCare Center Program.

Another site that may be of help is
http://diabetes.niddk.nih.gov/dm/pubs/financialhelp/
this site is the diabetes national institute

These sites may at least give you a contact number to get assistance with finding insurance coverage. Good luck. If I find other resources, I will post them.
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