"Erika" <[email hidden]> wrote in message
"]news:[email hidden]...
Quoted message said:How much of your diabetes care are you supposed to pay for directly?
That depends on what country you live in, what type of insurance you have, etc. In the USA, the
plans vary widely and not everyone has insurance. If you have none, you would pay for all of it.
Quoted message said:I have to pay 80 skr ( ca US$ 8 or £ 6) everytime I see the diabetes nurse. Phone consultations
are free. (I have one a week)
You are lucky that you can get free phone consultations. Some of my Drs. will take phone calls, but
I've had some in the past who would not.
Quoted message said:
I had to pay 100 skr (ca $10 £7.50 ) för the accu-chek BG meter, the rest is subsudised. I don´t
have to pay at all for the lancets or the BG test strips.
When it comes to insulin (I have been prescibed it already so I can start using it as soon as the
diabetes team thinks I should) I have to pay for the insuline and the insuline pen (I don´t know
how much yet) but not for the needles.
Monthly Hba1c tests (when they also do urine test) is free.
I feel I am fortunate to live in Sweden where health care is tax finansed. What is it like where
you live?
I have insurance through the military. Currently how it works varies depending on where I live and
the type of plan I choose, although they are working to make the plans standardized.
When I became pregnant, I lived on a military base in another state. I could go to the medical
facility on base for free and all prescriptions were free, if filled on base. However, the hours
they were open were not very convenient and the pharmacy carried a much smaller variety of things
than an outside pharmacy would.
When I became pregnant, the military facility would no longer see me because they had no Ob/Gyn or
specialists. So I went to the outside for those. My insurance is such that 100% of everything during
the pregnancy is free. And I think there was some sort of clause for "well baby care" that covered
100% of a few things for the first few months after the baby was born. I may be wrong on this,
because I had my baby over 5 years ago.
Currently, my plan is such that I pay 20%, not of what the Dr. charges, but what my insurance deems
is the amount the Dr. should charge for this specific service. Now there are some things that are
not covered at all. I have an actual handbook (paperback sized) that spells this all out. I also
have a $350 per person deductible and a $1000 per family per year catastrophic cap. That means that
I must pay the first $350 for myself and the first $350 for my daughter, myself. After that, we pay
only 20% for medical. Prescriptions are $9 for 90 day supply up until we've paid out the $1000 out
of pocket. Once we've paid that, prescriptions are free and all medical is free.
My plan is also such that I can see whatever Dr. I want, so long as they take my insurance. There is
another plan available to me that is like an HMO. With that plan, I could only see certain Drs. on a
list and could not see specialists unless I had a referral. This plan used to have a co-pay ($10
each time) I think, and the prescriptions were still $9 for 90 day supply. I did not want this plan,
mainly because of the referrals. This could mean waiting a long time to see a specialist, or being
denied if you thought you needed a specialist.
I could go to a military facility and be seen for free, so long as it was a facility that sees
dependants. In this area there are none. The only military facilities here are small and they see
only the military people.
When I lived in Cape Cod, my Dr. told me to get a mammogram. My options were to go out of state to a
military hospital where it would be free. Or I could go to the local radiology place and pay for it
all myself. My insurance would not cover it because I was under the age of 40 (or was it 45?) and
the Dr. found no specific reason to do it. Had there been a lump or some such thing, it would have
been covered.
I had the mammogram done at the local facility and paid for it. The technician then said that since
I was young, my breast tissue was too dense and she couldn't get a good reading. So a second
mammogram had to be done at a later date. She also said I should not have had the first one done to
begin with! The next time, the insurance did cover the mammogram, although the same deductible
applied, because this was a follow-up.
My insurance can be confusing at times. I guess that's why they wrote a book about it.
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