What Obamacare Feels Like to a Diabetic

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Others have written much about what the Affordable Care Act (ACA), also known as Obamacare, means for diabetics. I will leave the analysis to the people who have done the research. I just want to tell you what Obamacare feels like to a diabetic.

First, some background on my current healthcare status: I have been with the same HMO, Kaiser, since before I was diagnosed with diabetes at the age of nine. I have therefore felt married to Kaiser; in Kaiser’s eyes, I do not have a pre-existing condition, whereas switching health insurance companies might expose me to being labeled with the big scarlet D for diabetic. Kaiser is pretty good as a health provider so long as you can find good doctors, and I am lucky enough to have lived in big cities with big hospitals where I have lots of choice. I am also lucky enough to have wanted to stay in California all this time, and to have a husband who is very good at talking his way through pharmacies and bureaucracies when I am busy weeping with frustration that they won’t give me the medication I have been prescribed. (That’s a story for another time, though.) All that said, Kaiser raises its rates by 10 – 15% every year, and I don’t like the feeling that if I wanted to change, or needed to move to the East Coast, I would be in a very precarious position.

So on October 1st, I went to my state’s ACA exchange, CoveredCA. I was mostly curious, and wanted to see what the plans and rates would be; even if I want to change my healthcare, I intend to give this whole Obamacare thing a few months to make sure Congress doesn’t knife it in the back right after I make a switch.

But, noncommittal as I was, I was floored by what I saw. I filled out the simple questionnaire on the website to see my options. They asked me about my age, my income, my family size. And that was it. No medical history. No “Do you have diabetes?” No “Are you more likely than average to get kidney disease and retinal disease and neuropathy?” No “Do you cost a fortune because of all the medication you need?” No “Have you already had cataract surgery because of this stupid disease?” Age, income, family size, and then I was presented with options. The same options my healthy-young-male husband sees. The same options every late-twenty-something sees.

It’s an amazing feeling. After almost two decades of feeling tied to a single option– an option I like and am extremely grateful for, but still a single option — I felt liberated. Even now, I get chills just thinking about that feeling of, “Hey, you’re just one of us now.” It’s incredible. It’s profoundly American, to feel like I have choices and the freedom to move.

Even if you don’t intend on changing insurance providers, try it. Go to Healthcare.gov and find your state’s exchange. Fill out the minimal necessary information, and watch in wonder as they present you your options, blind to the secret truth that you have diabetes.

Death and taxes may be all that we are guaranteed, and you could argue back and forth about whether healthcare is a national right, but you’ll have to excuse me while I sit here and enjoy this intoxicating sense of liberty I’ve just been given.

Obamacare. Rock on — please!


Update, 2013-10-22: If you or anyone you know is uninsured or shopping for new coverage, check out the American Diabetes Association’s Q&A document The Health Insurance Marketplace and People with Diabetes, and then visit www.healthcare.gov to find your state’s Marketplace. For information on changes to health insurance rules that impact people with diabetes, including both changes that are already in effect and some starting on the first day of next year, check out the American Diabetes Association’s “Health Insurance Update: Protections for People with Diabetes” document.

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Comments (52)

  1. Carolyn Ketchum
    Carolyn at

    This. Is Awesome.  Thank you.

  2. hmbalison at

    Oh, this makes me so happy! I’m married to a teacher, so I have great insurance but because of diabetes and other unrelated but serious health issues, I knew that until now NO ONE would give me health insurance if something happened to him.

    It took about 8 tries to get life insurance. I finally got it but pay $200 a month for a $350,000 policy. That’s a story for another day. 

  3. LeAnn Secen Gardner at

    Thank you for this. I wish more people would open their eyes and stop spreading lies about AHA all over the place.

  4. Julie at

    Love it!  I too have been “tied” to health insurance by feeling like I have to stay married to a job with a big corporation, where I’m guaranteed coverage…even though I’ve always dreamed of starting my own business.  I did a lot of research on Obamacare (in fact wrote a paper on it) back when it was first announced and it really will benefit most everyone, not just us “pre-existing” people!  It’s a shame the way the media has spun it to sound like it will just cost healthy people more 🙁 

  5. Jeff N. at

    I feel the same way! I had to do without group health insurance coverage from 1987 to 1989 because of my type 1 diabetes.  I’ve waited many years for this and it feels very liberating.

  6. Well said, Karmel.  It’s great to have the “you’re just one of us” feeling — because we are.

  7. Sarah at

    I think people need to stop thinking AHA is either all good or all bad.  There are good parts of it, and, unfortunately, there are also very bad parts of it.  Just because people mention bad parts doesn’t make them lies.

  8. Sarah in CA at

    What ACA doesn’t mention is the very narrow networks, the limited hospitals available and the fact the doctors don’t have to participate and most insurance companies are opting out.  Then there is the multiple thousand dollar deductible that must be paid before coverage kick in. It would be wise to remember that the government can adjust payment amounts and coverage each year as congress authorizes coverage.  Think Medicare and what gets shifted to the supplemental insurance coverage over the years and the increased cost to Medicare recipients.  What will happen to your ACA when the next government shutdown occurs? Ideas to ponder.

  9. Missi at

    Other than lack of information, I do not know why you would have been tied to Kaiser for over two decades.  I have two autoimmune diseases as well as a type 1 child who has 4 autoimmune diseases and 2 deficiencies and we have switched healthcare providers a number of times over the years.  The Clinton administration changed the pre-existing condition clause as long as you do not have a lapse in insurance over 6 months.

  10. debbiec at

    I wish I could be as happy as you, but my extended family lives in the U.K. where nationalized healthcare has been for a long time.  You should all read this: http://www.thejournalofdiabetesnursing.co.uk/media/content/_master/3444/files/pdf/jdn17-8-284.pdf
    My son has type 1/celiac and a host of other problems, so I am sympathic to how you feel, however, there is only going to be so much in the “pot” to pass around. We have a very expensive disease.  Do the math.  England already has and this is what they are saying.

  11. Donna at

    I too am a T1 diabetic. I retired early to take care of my aging parents, so I’m not yet old enough to qualify for Medicare. The only insurance company that would cover me and my husband charges us a truly unconscionable amount–$1800 per month–and my diabetes is under good control (5.8 A1C). And it wouldn’t even cover the cost of Humalog, because no generic is available–tack on another $180 a month. Under Obamacare, we will pay several hundred dollars less for coverage that is leagues better. 

  12. Sarah at

    Donna,  that’s great for you, but a friend of our family’s has literally had his family’s coverage cost double.  That doesn’t sound so great.

  13. Erick at

    Explain to me how it is GOOD for my family’s health care premiums, for the same plan we had this year,  to have more than doubled from $3600 to roughly $7400 for next year?  My daughter is a diabetic too. And there is NOTHING beneficial in Obamacare that helps my middle income family at all!  AT ALL!!!!!  I find Obamacare to be nothing near your claim of it being ‘liberating’.  If anything, it chains people ever more to oppressive government oversight, and inflicts a massive tax on everyone from the middle class up.  That is not liberation or freedom. 

  14. Emeraldeyes at

    First of all, the author is forgetting that an insurance company CANNOT DISQUALIFY THE INSURED BASED ON A PRE-EXISTING CONDITION!!!  So why would they be interested if she has cancer, or diabetes or some other ”pre-existing condition” which was just a way to disqualify YOU and save these obscenely rich shysters money.  That is the beauty of the Affordable Care Act! Things have changed folks and it’s a new worldview. You need to think ME now, not WHAT WILL THE INSURANCE COMPANY do?  There are no lifetime limits, The question should be WHAT CAN THEY DO?  Just hope that Single Payer coverage comes in, that will do away with Insurance Companies altogether! NO Premiums NO Deductibles  NO Bills NO Insurance Companies! It is 50% less expensive, far more efficient and countries that have it can expect to live 5 years longer than Americans. Go to the president’s FB page and tell him that you want Single Payer ASAP and VOTE next year for your Democratic candidate!

  15. Emeraldeyes at

    First of all, the author is forgetting that an insurance company CANNOT DISQUALIFY THE INSURED BASED ON A PRE-EXISTING CONDITION!!!  So why would they be interested if she has cancer, or diabetes or some other ”pre-existing condition” which was just a way to disqualify YOU and save these obscenely rich shysters money.  That is the beauty of the Affordable Care Act! Things have changed folks and it’s a new worldview. You need to think ME now, not WHAT WILL THE INSURANCE COMPANY do?  There are no lifetime limits, The question should be WHAT CAN THEY DO?  Just hope that Single Payer coverage comes in, that will do away with Insurance Companies altogether! NO Premiums NO Deductibles  NO Bills NO Insurance Companies! It is 50% less expensive, far more efficient and countries that have it can expect to live 5 years longer than Americans. Go to the president’s FB page and tell him that you want Universal Healthcare. In the meantime, you can go to http://www.healthcare.gov to enrol.

  16. ben at

    I expected a lot more liberals to sign up, but unfortunately only handful signed up from each state, in fact zero signed from the great liberal state of NY. Come on liberals, Obamacare is great, lets get signed up so that you can tell us how much you’re saving.

  17. Christine at

    I am not sure why you have had to be married to Kaiser but I have been a diabetic for 35+ years and have been with BCBS, UHC, and others with no issues when I have had to switch plans and states. Obamacare is a joke. Don’t jump on board so fast. I have friends in other countries who have had to deal with the rules and regulations of socialized medicine and they wish they lived here (pre-Obamacare) so what does that say? Also if it was SO FANTASTIC, why are the Obamas and members of Congress opting out? (And as you stood there… why didn’t you ask him!?)

    PS glad you are ok. 

  18. JanetDobson at

    I wish I was as gleeful as you. It sounded good on the surface, but then I followed your advice and went to healthcare.gov and tried to sign up. (it actually worked for me unlike what a lot of people are saying). When I got to the page to choose my options, my jaw hit the floor. The lowest cost option was twice what I was paying now (on my husband’s plan) and worse, the deductible was more than I spent in five years. They don’t tell you about the deductibles or co-pay, they make it sound cheap, but it isn’t. Worse for my husband who smokes. He has an additional $4,000 deductible on top of what they offered for that. With the deductibles, premiums, co-pays, and deductibles, I would end up spending half of what I make on it if I have to go to the hospital. To add insult to injury, I am a substitute teacher and I found out that I won’t be offered more than 2 days per week work because of the new regulations on providing coverage. I don’t need them to offer coverage because of my husband’s insurance but it doesn’t matter, they have to cut all substitutes and aides back to under 20 hours/week (something about a look-back period causes them to have to shrink it even lower than 29 hours). I know you said ‘watch in wonder’, I am wondering how I am going to get by.

  19. cloepeterson@icloud.com at

    My insurance is better than anything that the government can offer. Luckily the whole thing isn’t messing with my premiums or anything with what they pay for unlike my husband’s work insurance which is dropping me but will keep the kids just so they can save money. Not like it saves any money with three kids. I guess it pays to work for a company like Apple, Inc like I do. I’ve heard horror stories about what people are getting switched to especially if they have financial troubles. 

  20. Leah Settineri at

    I know Obamacare seems like a good idea, it had some decent merits, however as a diabetic for the last 30 + years it is a death sentence for me.  Right after it was passed open enrollment for my employer was cancelled and insurance re-worked my choices were eliminated and I was forced to choose an HSA plan with high deductible.  I stopped taking my insulin and waited.  ended up in the ER with DKA and congestive heart failure the cost of the hospital met my deductible and then some.  I do this every year.  I have had more complications from diabetes in the last 4 yrs than the previous years.  My coverage is even worse this year and my expenses from the complications are increasing. I have to fight the insurance company for every single drug I take which makes the cost exorbitant.  I am grateful I can cover my special needs child until he is 26 but the insurance through my company is way to expensive to keep him on it, therefor he is uninsured, and unmedicated. How in the world does this help anyone??? I need a second job just to pay for medical stuff, however I am not allowed to do that through  my current employer and I don’t see Obama offering assistance to those that work. 

  21. Mark at

    But the SAME THING could have been accomplished simply by passing laws making it ILLEGAL for insurance companies to deny coverage to anybody or have any coverage exclusions or exclusionary periods for anybody with any pre-existing conditions WITHOUT adding in all that OTHER CRAP that’s in the ACA making the rates and deductibles SKY-ROCKET!!!
    I got LUCKY… Here, with the government subsidy or whatever they call it paying part of my premium, that makes my monthly premium about $60 per month LESS than I was paying on my COBRA coverage, but without the government assistance with my premiums, I would have to settle for the anal fine for not having the insurance.
    I can’t say my rates increased by x% or anything since before 2014, the ONLY way I could obtain ANY health insurance was by having an employer offering insurance for employees and I couldn’t previously qualify to get ANY health insurance on my own to be able to have a previous cost to compare “apples to apples” to what my monthly premiums will be next year.
    US Government should have simply passed laws requiring all insurance companies to offer everybody insurance with no pre-existing condition exclusions of any kind allowed, but kept the Government completely UNINVOLVED with the Insurance Marketplace.

  22. Josh at

    Yeah… The ACA so far isn’t doing me any favors.  There isn’t even a Florida State Healthcare exchange, (Several states opted out of that).

    And checking the coverage via the handy chart that’s floating around on the internet, the coverage is way worse than what I used to get through my employer at a higher cost.  Also I find it concerning that getting a quote requires you enter your bank account and routing number,and your rates can be increased depending on your credit.   

  23. Anne at

    My nephew has type 1 diabetes and our family has all been worried about what would happen when he finished college or aged out and could no longer be covered on his parents’ health policies.  His diabetes is as well managed as you can expect for an active, still growing teenager — which means that most insurance companies would not even want to give him a quote.  The ACA means he will be able to have health insurance that would otherwise not be available to him.

  24. Fanuci at

    Ms. Allison, you should consider the amount of freedom as a patient you will lose when Obamacare will no longer allow people to experiement with new therapeutic drugs–like mixing Symlin with Novolog.  Something you did and promoted for a period on your blogs.  Such experimental therapy will be prohibited under Obamacare, unless you know the right people–which apparently you do.

  25. Larry at

    Ms. Allison,  this is an excellent post.  I was relatively diagnosed with Type 1 two years ago at the age of 49.  I can imagine what it must be like to have lived with the disease for 20+ years.  Adjusting to it for the first time in mid-life has had its own challenges.
    I fully agree with you about the benefits from the Affordable Care Act, aka ObamaCare.  I have been following the progress of this law since its enactment, and waited with baited breath to see what the options would be.  I signed up so quickly on CoveredCA I thought: “Is that all I had to do?”  The plans look very good, so I fell relieved.  When I was diagnosed with T1D, I only had catastrophic insurance.  The costs have been abhorrent.  Plus, there was no prescription coverage.  Now I see a light at the end of the tunnel.

    Mr. Fanuci, you suggested in your post that experimental drugs will be prohibited under ObamaCare.  Where did you get your information?   For your info, experimental drugs and therapies have always been determined by insurers as to whether or not they would cover them.  Generally, they do not.  The key exception is experiment cancer drugs, in 27 states and D.C. by law.  Additionally, experiment drugs often require FDA approval, and that can lead to delays. 
    Experiment treatments are often very expensive, and insurers have considered them optional and at the patient’s expense.  From what I have read, not much will change in this area, other than insurance regulators may be the ones to set limits.  In CA, there is virtually no insurance regulation, so patients are at the mercy of insurers no matter what.  There is nothing to suggest that ObamaCare will do anything to limit experimental treatments that already have not been limited by insurers.  More than likely, any critical experimental treatment that could be deemed highly valuable and not covered will be litigated, as has happened repeated prior to ObamaCare. 

  26. Brenda at

    I’m so worried for my family concerning aca with having a diabetic child. I checked out the aca website and filled out the application out of curiosity and even though the premiums isn’t that much more for us monthly our deductible would be 12,000. That is more than 3 times what we pay now. unheard of! This is useless for us and for our child as he gets older. So, No rock on from us. Maybe if they had read the damn bill they would caught how useless this is for type 1 diabetics. Just my opinion from a simple mom who has sacrificed proudly to provide for her child and don’t appreciate any group or government getting in the way.

  27. CGDoc at

    Kaiser diagnosed my Diabetes when others could not. Have always felt that they were the best HMO in the Country. That doesn’t mean that the ACA is good for America in any way, shape or form. Hope you are feeling much better

  28. Renee at

    Thank you! My son was diagnosed at 13 and I have worried about him ever since and probably will as long as I live. The ACA has been a longtime coming because I know he could be denied at some point in his life which would be devastating…. and I’m glad you are ok after yesterday’s fainting spell…

  29. DR at

    After a competitive application process, I was accepted to a graduate school in Paris, but couldn’t find any international insurance coverage (pump supplies, etc.) to bridge the gap if I went abroad, and feared that returning from a socialized-medicine state would result in the dreaded pre-existing condition label.  So I had to pass on the opportunity of a lifetime. I know there are far bigger problems in the world, so I don’t spend too much time lamenting the past, but your post reminds me of all the other lost opportunities and stunted dreams out there due to the crazy structure of our insurance system.  Thank you so much for your post, and my heart goes out to you for the televised moment. I’m sure you are aware of the silver lining, that your low has brought greater awareness to this issue. Take care!

  30. Lynn Evans at

    Well, I see this site is now being trolled by righties since Karmel appeared yesterday with Pres. Obama. That’s too bad. But I assume they’ll go away eventually.

    Anyway, Karmel, I so agree! My son has had Type I diabetes since he was 14 months old. Fortunately, thanks to my employer-provided health care insurance, there was no problem with insurance. That continued throughout my son’s college years, but I always knew the day was coming when, unless he had a job that provided health care insurance, he’d have a real problem getting insurance. Thanks to Pres. Obama, that day was prolonged a year or so with the provision that allowed kids to stay on their parents health care insurance until they turned 26. But, David turned 26 in September 2012. We’ve been paying for COBRA coverage since October 2012, which is quite expensive, but at least it’s something. But even that doesn’t last forever. So Obamacare is coming through just in time for us and especially for David.

    Anyway, I’ve been to the website too, and as a mother of a son with diabetes I am just thrilled with the experience of being able to page through plans, consider options and have our decision driven by all the usual range of factors for such decisions. I am so sooooo grateful to Pres. Obama for making this happen.

    And thank you for your blog, Karmel. 🙂

  31. Lynn Evans at

    Josh (at 6:21 p.m. yesterday), if you have employer-provided health care insurance, then why would you be looking at the exchanges anyway? Obviously if your employer provides that benefit and doesn’t charge an arm and a leg for it, then that’s a good deal. But for those who don’t have a employer-provided insurance and who have a pre-existing condition, such as diabetes or any number of other conditions, the ACA is a godsend. A true godsend.

    Like many other people here whose posts I am reading, and whose kids have diabetes, we’ve known the day was coming when our kids could no longer be covered on our employer-provided policies. So, unless our kids also got jobs with employer-provided insurance, they’d be in trouble.

    Thanks to the ACA, a huge burden has been lifted from our shoulders. It’s a great day, and we are grateful.

  32. Lynn Evans at

    cloepeterson (at 4:48 p.m. yesterday), You’ll be glad to hear then that “the government” isn’t providing health care insurance. Even through the exchanges, the insurance is provided by private insurance companies.

    For those who are saying, “I get better insurance through my employer,” well good for you! That’s great! Your employer is no doubt in a position to negotiate for good coverage and may even be subsidizing all or a substantial portion of the premium for you. And that’s terrific!

    But not everyone is so lucky. And for those who aren’t, particularly those with pre-existing conditions, the ACA is fabulous. And the reason, of course, is that if you’re on your own and trying to purchase an insurance policy, you don’t get that great rate an employer can get for you.

    BTW, not all employers offer health care insurance or offer good health care insurance. My son works for a company that offers — I don’t what it is — it’s sort of the opposite of catastrophic insurance. That is, if you’re healthy and have minimal health care costs, it provides an “assist.” It is not remotely useful for anyone with a pre-existing condition — and it’s quite up front about that. Nor would it even begin to keep you out of bankruptcy if something catastrophic requiring a lengthy hospital stay and/or lots of treatment occurred.

    So again — happy day thanks to the ACA!

  33. Steph at

    I’ve been self-employed for some years now and was used to paying $126 or so a month. I took a full-time position with a company for a short time and afterwards signed up for Cobra. During that time I was diagnosed with “pre-diabetes” and had to start taking Januvia. Unfortunately, I had also not carried my self-employment insurance for the duration of the W-2 position and I was required to switch plans. 
    EVERY insurance provider turned me down. One agent even laughed out loud when I told him about taking Januvia. Apparently that results in a 60 month exclusion before they would entertain another application from me. I tried to sign up for my state’s “high-risk plan”, but the premium was something in the order of $2400 pm with a $30,000 deductible, so I let that pass and started going overseas for everything medical. I am lucky in that respect as I have dual citizenship. I would not have known what to do if I did not have the opportunity to do that.  

  34. paul at

    so if you have a difference of opinion or want to add a comment

    you automatically peg them as a rightie????

    glad it worked for you and your happy with it

    for us it raises our costs up so high we cant afford it—other half U/E for last 4 yrs—- i add them to mine at work, then i dont bring home enough to cover the mortgage….

    so call me what name you will because i dare to state i am not impressed with it right now — glad it works for you and your happy

    but dont name call others–everyones situation and circumstances are different–if you have a right to voice your thoughts/opinions then so do they/us/we/me without you labeling us…. just a thought there…

  35. christina at

    I was happy to see your blog because I am a mother of a Type 1 Diabetic. We are also Kaiser members. One of the biggest concerns I have for my daughter is how will she pay for her health care when she is not on our plan. We can keep her on until she is 26 (which is only in 6 years) but I fear what would happen to her. Other people don’t know what this disease costs . Test stips (out of pocket 50 dollars plus), Novolog (134.oo a bottle), Lantus– lets talk pump supplies as well. When we pick up her meds, the receipt says “with your coverage you saved 1500.00)… how would a 26 year old (or anyone) ever be able to afford that a month? You mentioned you felt liberated because you could switch plans but how about the rates, deductibles, pumps…. Are there choices? I wish we could of heard from you regarding the choices you looked into before the faint ( glad you are okay) ..I am so grateful we have coverage and will stick to what we have. I feel I’m married to my plan as well but the very idea of changing ANYTHING terrifies me.  

  36. Lynn Evans at

    How about giving us some facts, Paul? What were you paying and under what circumstances, and how is it you’re now faced with paying more?

  37. Ronald Beardshear at

    Wonder what you think of people whose employers are dumping them into the exchanges and their policies are tripling, not to mention huge deductibles.
    Also if the rollout is this bad how do you think the actual healthcare will be? 

  38. Deb at

    I LOVE the “pre-existing” clause in the new ACA. But some people were unaware that there were previous laws that protected “pre-existing” in cases where the lapse of your insurance coverage from, lets say, job to job was less than 60-90 days.  When a change of job took place in my household and the insurance company threw out that they would not cover the “pre-existing” diabetes. I phoned the insurance commissioner and got the correct information to give back to the company that was not going to cover the “pre-existing” but they had to do it because of the lapse in coverage was not beyond the limit.  I don’t recall the exact “limit” but that clause was there. It’s nice to know all the extra phone calls and paperwork won’t be necessary now if that  happens again and it won’t be necessary at all for those who have been without work or coverage.

  39. Jon Steward at

    What is your combined income?  What are your current policy rates?  What are your projected ACA rates?  What is the federal subsidy for the proposed policy?  What is the deductible for the new policy?

  40. Need A Nap2 at

    My husband and I have been happily looking to Obamacare.  I was diagnosed last year as a type 1 diabetic.  He doesn’t get insurance through work.  We barely got a policy because I also have sleep apnea (big whoop compared to type 1!).  Talking to our insurance agent, I’ve been disappointed that there is only ONE plan in our area.  No choices at all.  I’m thankful to have a plan but so far Obamacare isn’t exactly rocking my world.  (And we haven’t signed up yet because of all of the problems and our agent has to get a login, etc.)

  41. Caring at

    Allison, was it fake or real?   Your comments on TV caught my attention when you said you didn’t think you would be the one to faint.  See link.  All the best with your diabetes, healthcare, etc., but I really hope you weren’t a political prop.  If so, you would be the next James Dean.


  42. j-live fan at

    Leah S., that is INSANE that you feel that you have to do that. People, go back and read what she said. Please, dear, do NOT stop taking your insulin; you can die before you know it, from, like you say, DKA. Repeat, DKA can put you in a COMA and cause your DEATH. I understand that you need to get kicked over into a covered situation by running up the bill due to the DKA ER visit, but please, isn’t there something else you can do, like take your insulin and try to stay out of the hospital altogether? I mean, if you have to go in for some reason, fine, but you can seriously die from doing what you’re doing every year to handle this financial aspect. Diabetes heroes like Banting and Best, like Eva Saxl who had to live for a few years on insulin made from ALLEY CATS and lived for decades afterwards, would want you to take your insulin.  

  43. j-live fan at

    Leah, insulin is around $25 a bottle at Wal-Mart (half the price at the drug store). No prescription needed for N or R. I don’t know if that helps you or not, probably not, but just in case….

  44. Susan Broughton at

    I have been watching this ObamaCare as they call it. very closely.  I was injured a few years back and because of that I lost my great dependable job I had had for years.  Being a diabetic I still wasn’t worried because my husband had a great job with security of over 30 years.  Then the bottom dropped out and he lost his job last year too.  Now no healthcare.  So I go hunting for insurance.  surely I have been paying in to my insurance for years it will be fine….but no I was denied because of the diabetes.  So we have been without healthcare now for over a year.  When the first of the year comes and we can finally get insurance I will thank my lucky stars and although I am not a political person I can not understand why people in Washington want to stop this.  I guess none of them have had to do without insurance or a job…..but maybe they should have to try it sometime…

  45. fred smith at

    Cant say that i agree with how great your obamacare is. I’m 52 been a diabetic since i was 16. Have a full time job.  We just got our new insurance packages. Because of obamacare my rates went up by 20% and my copays went up to $50. The cost of my strips has doubled in the last 6 months. Thanks alot obama. Looks like the worker people are paying for the people who are not working or dont want to work.

  46. fred smith at

    Cant say that i agree with how great your obamacare is. I’m 52 been a diabetic since i was 16. Have a full time job.  We just got our new insurance packages. Because of obamacare my rates went up by 20% and my copays went up to $50. The cost of my strips has doubled in the last 6 months. Thanks alot obama. Looks like the working people are paying for the people who are not working or dont want to work.

  47. Sander Loones at

    Hi, I live in Belgium and I’am Diabetic type 1. We have universal healthcare, and I pay $0 for my treatment(doctors, insulin, monitors, ..). My treatment is of high quality and I have a chance to participate with the newest technologies. A year a go my girlfriend was diagnosed with cancer, her treatment was nearly free and again of high quality. The cost of our healthcare system is per person less than people spend in the USA in average. Before someone points out we have a debt crisis in Europe, we still have relatively less debt than the USA. 

    For this universal healthcare we are taxed 7,35% on our gross income. Which also means, if you cannot or don’t work you’ll still receive all the high standard treatments necessary to treat your decease. The Belgian average income is $54.883 a year(€40.700)

  48. JBPO at

    Type 1 Diabetic 48+ years; live in GA; had health insurance coverage through SHBP United Health Care great plan; now being made to switch to HRA BCBSGa due to our incompetent President. Because of Obama’s lame brain ACA I will now be paying more for all of my Diabetic supplies, & health care costs. My current Endocrinologist is not & does not participate in the HRA & new Doctor in network just charged me $4,410 for one visit against my new Obama-I don’t Care plan. I’m paying more for premiums (with less coverage) & a lot more out of pocket expenses so much so, that after 1-2 months, I will not be able to afford my insulins & test strips. 
    I’m mad… Maybe I’ll just become indigent, quit managing my Diabetes as well as I have for 48+ years & let Diabetic complications set-in & then our crappy govt. will have to pay for me. Our govt. can’t even balance a budget so how in the hell do they think they can manage health care for Americans? We need to clean house on both sides of the aisles. Thanks a lot OneBigAssMistakeAmerica!!!!!

  49. Eric at

    I was diagnosed with type 1 Diabetes at the age of 10. 24 years later my company has switched healthcare due to the effects of Obamacare. I had no deductible, $28/week premium, low copays, and ALL preventive care and meds 100% free, delivered right to my door, including insulin, testing supplies, syringes,blood pressure and cholesterol meds, with no limits. I now have $3000 deductible with no copays. Meaning I pay 100% until the deductible is paid, on visits, RX’s and anything else. After that I pay 20% on “approved care” (which is very limited). The network is tiny, and even worse for specialists. There are no hospitals in-network, meaning if I go to a hospital, I pay 100% until the $6000 out-of-network ded. is paid. After that I pay just 80%. 1 yearly physical is covered at 100%. No eye-care and no diabetic eye exams are covered. I am resistant to most insulins, except for Apidra, which isn’t covered. All for the same $28/week. I don’t have $185 for a bottle of insulin or $$ for test strips, so I am rationing my last bottle, re-using needles 30-40 times each, and rarely testing. BP and Cholesterol meds ran out long ago. And I voted for Obama, so I basically killed myself without knowing it.

  50. Eric at

    And by the way, those prices at the ACA site only apply if your employers offers no insurance plan whatsoever. Something not mentioned there. So don’t be fooled. In fact, if your employer offers a plan, you are almost sure to be rejected if you apply for Obamacare. We have all tried at my job already. Nobody was accepted.

  51. John Doman at

    This is what Obamacare feels like for THIS diabetic: $295 for a 90-month supply of Novalog. 
    And I have good health insurance…  

  52. Misato at

    to Lynn Evans.
    No the ACA is NOT fabulous, especially for diabetics. Because of state law, my insurance had to cover diabetics, WAY before Obamacare, and it’s claim no one with a pre existing condition could get coverage, is BS.

    First off, now if I don’t or can’t enroll in 60 days, I have no chance to get insurance at all until the next year, thanks to this open enrollment crap in Obamacare.

    The cheapest insurance I could find, that would provide similair coverage under Obamacare, was not any cheaper premium wise, and the deductible was almost 6 times as much as what I had to pay before.

    My insurance provider that I had cancelled the policy right after Obamacare went into effect, so no, you DON’T get to keep your doctor or your insurance, if you like them, unlike Obama kept saying in like over 25 of his speeches from 2009 to 2011.

    Also, that one being the only one that I could pay if I was willing to bankrupt myself (the others just weren’t doable at all), does not cover Humalog, and so that’s another something that isn’t covered that I am having to pay out of pocket for IN ADDTION to the exhorbitant amount I am being forced to just GIVE one of these insurance companies.

    And since I make just a tad over $10,000 a year, I am not eligible for any of the Obamacare assistance either (as if $10,000 is enuff to live on even without a pre existing condition).

    In fact, I NOW (after Obamacare) have to give insurance over half my net income for basically no coverage at all, have to pay out of pocket for almost everything in addition to what should have been covered, or see Obamacare tax, which is doubled every year, taken out of the very little income I do make.

    Im glad you are so thrilled with Obamacare, but your situation doesn’t represent everybody caught under the ACA.

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***The opinions and views expressed in this blog belong to the individual contributor and not to ASweetLife or its editors. All information contained on this blog is intended for informational purposes only. The information is not intended to be a replacement or substitute for consultation with a qualified medical professional or for professional medical advice related to diabetes or another medical condition. Please contact your physician or medical professional with any questions and concerns about your medical condition.