I have no coverage. I worked for a very small company with a very greedy boss. The boss changed my sales compensation plan so he could have all the profits and pay me no commission on a sales transaction. My attorney advised me to not return and later sue. What neither of us realized? No COBRA for companies under 20 employees and no unemployment approved. A lethal break in heath care coverage has booted me out of the system, three years into my T1 diagnosis. I am now 38 and have a lot of uncovered, diabetes care in front of me.
My former boss leaked throughout our local industry my T1 condition. I’ve since been untouchable because no one wants their overall coverage costs to go up and seen non-competitive among their other employees. So I started my own business to have a chance at making a better life for myself…
As far as healthcare coverage goes… owning my own business turns out to be a bad move. It seems I would be rewarded with healthcare coverage if I had no drive, ambition, etc. and just starting living off the welfare system.
I’ve tried so many routes to get covered. In the state of Ohio, if you look at the underwriting table for T1s (which an insurance friend finally showed me after months of frustration) the only result listed is “DENIED” across the board. No age or condition or lifestyle considerations.
I put a lot of time into my community and the world around me. Sometimes it is hard not to be bitter that my contributions to the world are met with “Sorry… not profitable… you deserve to die a horrible, painful, slow death.”
My survival has come to rely on the kindness of others. Sometimes I have to choose to live without heat in the winter or electricity in order to afford my insulin and test strips. I wait for months and endless hours to attend the free clinic (which is overloaded with patients) and I haven’t seen an Endo in years because I can’t afford it.
There HAS to be a better way…