Question from Virginia, USA:
My child was diagnosed with type 1 about seven months ago. My employer does not offer health insurance, and my husband is self employed. Therefore, we have always purchased our own health insurance. We had always been healthy, and so, chose a high deductible policy to try to keep the premium down. Now we are swamped with bills, which average about $100 per month for prescriptions (after a $500 deductible was met), and if we switch to a pump, which we all want, we will have to pay about $200 per month continuously for durable medical equipment (DME) supplies (after paying $2500 deductible for the pump itself). I know there are organizations that help those with no insurance, but are there any organizations that help those with this situation? Sometimes I feel like we would be better off with no insurance. Do you have any suggestions for us?