Let me preface this post by saying, "Warning, major Scully rant brewing."
Diabetics can NOT do everything a non-diabetic can do. Sure we can live like normal people and hide our frustrations but we cant get the same things non-diabetics can. INSURANCE. I quit my lovely happy favourite job back in December because of the commuting distance once they moved the office 65km away. I then quit my second job due to its complete horridness for a job within 10min drive to work which I have enjoyed working at so much since March. That job came with a price. No medical benefits. I weighed the pros and cons and stupid me thought I would just find a private insurance company and pay for it. Boy was ever seriously naive in thinking it would be easy to find insurance. Its not only hard as I recently discovered its IMPOSSIBLE. Phone call after phone call left me hanging my head and waving my white flag. Absolutely no company will insure diabetics. Sure they all offer a small amount of coverage, usually in the $500/year and NOT 100% coverage with a monthly premium of upwards to $100. Is it just me, or does anyone else see the pointlessness of that?
I recently contacted a company who advertises on the Canadian Diabetes Association (CDA) webpage that they will:
"...provide access to insurance products and services to suit your needs and budget or we will provide advice, information and alternatives that may be available to you."
You know the best they did for me? If I pay $150 annually I will receive $300 in coverage. I had to hold back laughter when the guy told me this.
This is where my researched left me:
"No private insurance company will provide you with individual health and prescription drug insurance that would provide you the level of coverage you are looking for."
They all cover some other pre-existing conditions yes but certainly not diabetes. Why is this? well for the obvious reason that the insurance companies won't make any money off us on premiums as the entire world knows the cost of diabetes is out-fucking-rageous. What upsets me the most is that its Type 1! I did abso-fucking-lutely NOTHING to deserve this. I didn't ask this disease to ruin my life, I was the healthiest person when my pancreas broke. I don't have Type II which is largely based on lifestyle choices. I know there are exceptions to that rule, those Type II's who get it purely for genetic reasons. For the most part THEY sort of have/had a choice to make lifestyle changes.
Whoever said "Canada has free health care" is out of their minds. I am royally f*cked to say the least. I saved up supplies (test strips, insulin, glucose gels) since December but that stock pile is looking pretty sad these days. I am one of the lucky ones who pushed to get into the Ontario Assisted Devices Program in which the government pays for my pump and provides adult PWD with (barely) enough money every three months for supplies, only pump supplies no CGM. The major thing here is the test strips as we all very well know. I calculated last night my monthly supply usage with strips, insulin and a few other personal medications I take and it came to $450/month (not including pump supplies). Am I supposed to stop testing since that's where most of the cost is? I can't afford that out of my pocket. I'm barely making ends meet as it is what with house payments and bills. I spent a long time last night trying to come up with a plan in between fits of crying and rage. I thought of selling my house and going back to renting an apartment, get rid of my gym membership and cut corners everywhere I can. On top of desperately trying to find a new job. I may be commuting as far as I was before and doing a job I may not like just so I can get group benefits. Even then, sometimes group benefits require a medical questionnaire and they sometimes have the right to deny certain coverages.
I had a dream of someday having my own consulting company, but that just got blown out of the water. Maybe if I am with someone who has a health plan or I can afford to shell out the extra $450/month I can do it. Truth is, I can't rely on someone else who doesn't exist. I can't rely on making enough money either. I need it now. I need the help right this minute or I'll be looking at selling my house in the near future.
So you know what? Diabetics are NOT just like everyone else and can NOT do what normal people do unless they are rich fucks. 'Nuff said.