Tag: insurance

  • COVID-19 is causing more type 1 diabetes in kids, who will be saddled with high insulin prices

    COVID-19 is causing more type 1 diabetes in kids, who will be saddled with high insulin prices

    Commentary

    by Jennifer Schuerman – Ohio Capital Journal

    As nurses, my husband and I witnessed truly awful and devastating things treating patients on the frontlines of this pandemic. Hundreds of thousands of Americans have died, while the millions who survived, now faced with disability, are left to grapple with the harsh realities of long COVID-19.

    Among those millions of people living with long-term health impacts is our son Carter.

    Four days before the COVID-19 vaccine was available for kids under 12, my 11-year-old son Carter tested positive for COVID-19. He had the common symptoms for the first few days, but as those subsided, I began noticing new ones like extreme thirst and frequent urination. In my gut, I knew it was diabetes. And sure enough, a mother always knows: Twelve days after his COVID-positive test, Carter was officially diagnosed with Type 1 diabetes.

    In less than a month, everything about our lives changed. We don’t have any family history of any type of diabetes, so Carter’s diagnosis came out of nowhere, and we were not prepared. Our days now revolve around his blood sugar levels. Meal times are planned around insulin doses, mornings and evenings have a new medicine routine. Even as nurses, my husband and I could have never anticipated the severity of impact this diagnosis would have on our family.

    I hear fellow nurses say there are more kids coming into the hospital and leaving with a diabetes diagnosis. Many of the newly diagnosed diabetics often had a recent COVID-19 infection. When a recent CDC report found children under 18 infected with COVID-19 are 2.66 times more likely to develop diabetes, it only confirmed the trend I witnessed in my hospital.

    Carter was prescribed two different kinds of insulin, Humalog and Basaglar. Only a couple months into his treatment, our insurance decided it would no longer cover Humalog beginning in January of this year. We had just enough to last us through March. We cannot afford the out-of-pocket costs to keep Carter on the same kind of insulin, so we will need to switch him to a new kind of insulin before his body has even adapted to the current regimen.

    We lose sight of the human cost when we ignore insulin price gouging. At the end of the day, we are putting a price on human life — on a child’s life.

    I realize we are extremely lucky to have health insurance that keeps insulin costs manageable for our family. Since becoming part of the diabetes community, I’ve learned how rare it is to have sufficient insurance coverage and be able to afford insulin at all. As I read the heart-breaking posts from parents pleading for insulin donations in online communities, I think about how one unfortunate diagnosis can send a family to economic ruin through no fault of their own.

    So, when the House passed the Affordable Insulin Now Act last week, I felt like Congress finally listened to the pleas of Americans with diabetes. The bill will cap insulin copays at $35 a month — reducing insulin costs by hundreds each year. In America, around 1 in 4 diabetics have rationed their insulin due to high costs. With nearly 60% of Americans under 17 having been infected with COVID-19, some of them may develop type 1 diabetes. It is more important than ever to do something about insulin prices.

    By lowering the price of insulin and passing other federal prescription drug reforms, we can help existing diabetics and prevent newly diagnosed diabetics, especially kids, from being forced to ration life-saving medication.

    I couldn’t imagine going through this emotional journey with the added stress of not being able to afford the one thing you need to keep your child alive. Type 1 diabetes is a lifelong condition; my son will never escape this. It’s not his fault he caught COVID-19. It’s not his fault that COVID-19 may have caused his diabetes. But he will be forever burdened by the price of insulin.

    We are fortunate to be able to afford Carter’s insulin and supplies. But what about the families who aren’t so lucky? What happens to all of the kids who will eventually age off of their parents’ insurance, and their plans barely cover insulin? We lose sight of the human cost when we ignore insulin price gouging. At the end of the day, we are putting a price on human life — on a child’s life.

    I would do whatever I could to get my child what he needs. I would give up my house, I would give up everything to keep him alive. I don’t know any parent who wouldn’t do the same. Our leaders in Congress must do everything they can, so people with diabetes and their caretakers aren’t left with such impossible choices. Now, it’s up to our representatives in the Senate to stand with parents like me and stop hiding behind the donations of pharmaceutical companies.

    This commentary was first published in the Arizona Mirror.

  • You can help provide “Miracles for Maddie”

    You can help provide “Miracles for Maddie”

    Loveland, Ohio – Maddie Feder is a 19 year old in Loveland. She is plagued with many illnesses including Ehlers Danlos Syndrome, Lupus, Postural Orthostatic Tachycardia Syndrome (POTS), and possible cancer.

    Curtis Feder, a Loveland High School senior and also Maddie’s brother, started “Miracles for Maddie” with the help of the friends

    I just want my sister to be healthy. I have faith in the community to help put her mind at ease financially, so she can focus on getting better.

    and neighbors to raise money to pay for medical costs that insurance will not cover. “I just want my sister to be healthy. I have faith in the community to help put her mind at ease financially, so she can focus on getting better,” he said.

    The organization’s first event will be held at “The Works” on November 19, where 10 percent of the proceeds will go to the Feder family.

    The second event will be held all week from Dec. 2-8 at Skips Bagel Deli where 25 percent of the proceeds will go to the Feder family.

    Maddie Feder is 19 years old and a 2017 Loveland High School Graduate. Maddie is plagued with many illnesses including Ehlers Danlos Syndrome, Lupus, Postural Orthostatic Tachycardia Syndrome (POTS), to name a few. She spent close to a year in the hospital and is an intensive outpatient now. She is being seen by 22 different specialists; some located out of state, and some not covered by insurance. She has endured long and painful testing including bone marrow biopsies, CT scans, MRIs, and multiple surgeries. Her hair also began falling out in chunks. As one could imagine, all of these procedures are not free, and she needs your help in donating money to help get the medical care she needs to get her well.

    Skips Bagel Deli requires the “Miracles for Maddie” flyer to be present at the time of purchase (Skips Bagel Flyer) (The Works Flyer)

    More information about Maddie’s plight can be found at:  https://miraclesformaddie.wixsite.com/teammaddie.

    For any additional questions, contact Curtis at cfeder01@gmail.com

    Checks can be made out to Lance Feder
    Checks and donations can be sent or dropped off to
    1813 Vanderbilt Drive
    Loveland, OH 45140

  • Loveland family is scared, shocked, angry, confused about proposed health care law

    Loveland family is scared, shocked, angry, confused about proposed health care law

    We cannot afford to cover all of Ethan’s health care costs without help from a large community and our government

    [quote_left]Dear Loveland Magazine Readers,[/quote_left]

     

     

    by Alexia and Scott Kadish,

    [dropcap type=”2″]W[/dropcap]e did not want this, We did not ask for this “opportunity;” we did not do anything wrong to deserve this AND we will not run from our obligations as parents to care for our child. However, we cannot afford to cover all of Ethan’s health care costs without help from a large community and our government.

    [quote_center]What do Ethan’s future health care options look like?[/quote_center]

    Ethan will not have the opportunity to receive health care from his employer or pay the premiums for private insurance. Ethan’s significant disabilities will prevent him from finding employment and generating income. we hope we are proven wrong, as this is a very difficult reality to accept.

    [quote_center]So, what are his future options?[/quote_center]

    While he is very fortunate today to be covered by a great employer-sponsored health care plan, thanks to Procter & Gamble, what happens when Ethan is no longer eligible for this insurance?

    Remember, today Ethan’s health care costs exceed $1,000,000 per year and it takes three policies to provide for his needs (Private, Medicaid and BCMH). Even with these three policies, there is about $100,000 per year of costs not covered by any of them.

    Ethan will age out of BCMH and private insurance.

    [quote_center]What will happen if Medicaid is taken away from Ethan, too?[/quote_center]

    How will his future medical needs get paid for? Will we be placed in the position of having to make health care decisions for Ethan based on the cost? We already know we cannot afford to pay $1,000,000 per year (not even for one year). Ethan has already spent +380 days in the hospital over 4 years. Do we opt to not take him for urgent care at the hospital when private insurance and Medicaid are not available? For reference, ONE DAY in the hospital for Ethan costs $5,000-10,000, depending on his diagnosis and testing needs. If he ends up having surgery (Ethan has had 7 surgeries in the past 4 years), the costs are significantly higher and the hospitalization is longer.

    We deal with a significant amount of uncertainty every day, just managing Ethan’s day-to-day care. We do not need the added stress of how to pay for Ethan’s basic medical care, or if our family will be forced into financial ruin.

    We think you get the picture.

    Please talk with your U.S. Senators and House of Representative member about preserving Medicaid for those who truly need it.

    Ethan needs it NOW and will be dependent on it in the FUTURE.

    [quote_center]SPEAK UP[/quote_center]

    We have and we are. We have talked with the offices of Congressman Wenstrup and Senator Portman, and have left messages with Congressman Chabot and Senator Brown.

    Stay Strong,

    Alexia and Scott Kadish are residents of Loveland, Ohio

    P.S. We are scared, shocked, angry, and confused. Please share our letter broadly and contact your representatives in Congress. Each one of us has a voice, a story to share, and a vote.



    Ethan’s Story

    On June 29, 2013, at URJ-GUCI, a summer camp near Indianapolis, a sudden burst of lightning struck on the athletic field where Ethan was out enjoying some Ultimate Frisbee with other campers. Everything changed for Ethan in that one moment. He was taken in critical condition to the local Children’s Hospital, where the doctors and nurses worked around the clock to stabilize him and assess his injuries. Ethan suffered a severe brain injury as a result of the lightning strike. Learn more about Ethan Kadish.



    [quote_box_right]

     

    PLEASE talk with your U.S. Senators and House of Representative member about preserving Medicaid for those who truly need it. Ethan needs it NOW and will be dependent on it in the FUTURE.

     

    [/quote_box_right][dropcap]T[/dropcap]he Senate is likely to vote on the Republican replacement or the Affordable Care Act in the next week. Senator Rob Portman is one of a few select men who is meeting in closed-door strategy sessions to craft the bill.

    Portman has asked for public comment and can be reached at:

    Cincinnati Office

    312 Walnut Street

    Room 3425

    Cincinnati, Ohio 45202

    Phone: 513-684-3265

    Use his Contact Form

    Portman’s Facebook Page

    His Washington DC Office

    448 Russell Senate Office Building Washington DC 20510

    (202) 224-3353

    Portman’s Twitter Account