I didn’t know where this question “belonged” but I’ve pretty much exhausted the internet looking for solutions and just need to vent/get some feedback.
Husband switched to a new job prior to my son’s dx of T1 or my dx of T2. His insurance is perfectly affordable for him, but when you add us all, we cannot afford it. Well, we can technically afford it, but the benefits are awful. Not worth it.
200 out of each paycheck, annual deductible of 12000 to get that sweet, sweet 100% coverage. Not likely to happen.
So, we’ve been doing a medical sharing program. $400 a month, covers any healthcare event…granted we pay some upfront, then file it with the sharing company and if it qualifies, they will cover it. That’s been great for our ER visits/dx. Granted, it will NOT cover diabetes maintenance. Naturally.
But we still have zero prescription coverage. All of our son’s insulin has been samples thus far, thankfully he’s in a strong honeymoon and we’re eating low carb to keep numbers down.
I’ve looked into getting assistance for just my child (who also has autism, so, double whammy) and we don’t qualify. Our income a year seems good, which we are not complaining, but it’s all spoken for. We’re just middle class. Since the diagnosis, we’re downsizing significantly, trying to pay down student loans, looking for other streams of income, but it really doesn’t seem like it will make a dent.
I’m panicking, really. We have to fix this before he needs more insulin. If you guys have ANY tricks, tips, advice I’m missing as a newbie, please let me know.