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Type 1 Diabetes
Do you people get all your diabetes stuff for nothing?
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<blockquote data-quote="DaftThoughts" data-source="post: 1439130" data-attributes="member: 317436"><p>The Netherlands works with a yearly deductible. It's been creeping up on us for years now, everything used to be a single payer system, then the government had the bright idea to privatize healthcare. We pay more every year, and get less in return every year as more things get taken out of the nation-wide set basic package. Quality of care is suffering at the moment and only expected to decline further. Many Dutch citizens are rallying for the return of the single payer system, for many good reasons.</p><p></p><p>Right now my yearly deductible is €385. It used to be around €155 in 2009, so it's more than doubled in not even a decade. Most of my medication isn't covered until I max out my deductible, though as of January this year I won't even make it past 5 months before it's all gone. Everything I take after that is covered. A lot of medication ends up never being covered for adults and this list grows every year, which is a worrying trend. GP visits and other basic care are 100% covered without deductibles though, which I'm super grateful for.</p><p></p><p>My test materials are 100% covered as insulin dependency requires the testing. Non-insulin dependent diabetics have to pay out of pocket because their testing is not seen as essential. (Which is true for the short term, but very much false in the long term!)</p><p></p><p>Right now I pay €44.20 for five pens of NovoRapid, and €52.16 for three pens of Toujeo. I use about 2 pens of NovoRapid a month, and 1 pen of Toujeo. So thats about €35 a month on insulin out of pocket until I hit my deductible around May-June, then it's 100% covered.</p><p></p><p>That said, I'm extremely worried about my US diabetic friends. Some of them have no choice in what they can get, and their monthly expenses run up as high as $800-$1200 a month <strong>just </strong>for insulin and materials. They ration out insulin to last even if this mean their sugars are sky-high. Most of them are stuck in a low-income situation where they make just too much to qualify for anything, but not actually enough to pay all their bills and medication. Doctors refuse to prescribe anything else and they don't have the luxury of shopping around for another doctor due to their healthcare plan terms. Some months it comes down to rent or insulin, homeless or alive, and it's a horrific situation. I complain about our healthcare a lot, but only because I'm terrified we'll end up in that exact same position sooner or later.</p></blockquote><p></p>
[QUOTE="DaftThoughts, post: 1439130, member: 317436"] The Netherlands works with a yearly deductible. It's been creeping up on us for years now, everything used to be a single payer system, then the government had the bright idea to privatize healthcare. We pay more every year, and get less in return every year as more things get taken out of the nation-wide set basic package. Quality of care is suffering at the moment and only expected to decline further. Many Dutch citizens are rallying for the return of the single payer system, for many good reasons. Right now my yearly deductible is €385. It used to be around €155 in 2009, so it's more than doubled in not even a decade. Most of my medication isn't covered until I max out my deductible, though as of January this year I won't even make it past 5 months before it's all gone. Everything I take after that is covered. A lot of medication ends up never being covered for adults and this list grows every year, which is a worrying trend. GP visits and other basic care are 100% covered without deductibles though, which I'm super grateful for. My test materials are 100% covered as insulin dependency requires the testing. Non-insulin dependent diabetics have to pay out of pocket because their testing is not seen as essential. (Which is true for the short term, but very much false in the long term!) Right now I pay €44.20 for five pens of NovoRapid, and €52.16 for three pens of Toujeo. I use about 2 pens of NovoRapid a month, and 1 pen of Toujeo. So thats about €35 a month on insulin out of pocket until I hit my deductible around May-June, then it's 100% covered. That said, I'm extremely worried about my US diabetic friends. Some of them have no choice in what they can get, and their monthly expenses run up as high as $800-$1200 a month [B]just [/B]for insulin and materials. They ration out insulin to last even if this mean their sugars are sky-high. Most of them are stuck in a low-income situation where they make just too much to qualify for anything, but not actually enough to pay all their bills and medication. Doctors refuse to prescribe anything else and they don't have the luxury of shopping around for another doctor due to their healthcare plan terms. Some months it comes down to rent or insulin, homeless or alive, and it's a horrific situation. I complain about our healthcare a lot, but only because I'm terrified we'll end up in that exact same position sooner or later. [/QUOTE]
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