Let me start this post by saying that I am grateful we have access to reasonably decent health insurance. Without it, life as a person both living with T1D and parenting a child with T1D, would be monumentally different. However, my gratitude only goes so far, especially when health insurance companies dictate what T1D supplies or tools are and are not covered.
When Nora was first diagnosed and in the hospital, she took Humalog (short acting) insulin and Levemir (long acting) insulin. These were great options for her because she needed to be able to take her insulin in half units and these brands provided that option with minimal issues. When we were discharged from the hospital, we left with 15 or so prescriptions and it was overwhelming to get them filled, even for this mama who has had T1D for over 25 years. When I went to pick up her prescriptions, the pharmacist told me that my insurance wouldn’t cover Humalog and Levemir. What the…?! Why not? Because they are not my insurance company’s preferred brand of insulin. I contacted Nora’s Endo and they worked through the insurance and prescription process to get Nora all set with her insulin. The insulin that she uses now is just as effective as the insulin she used in the hospital, but because of the brand switch we have had to make accommodations to ensure she can still inject in half units.
On February 1st, UnitedHealthcare, one of the nations leading insurers, put in place a policy that says they will no longer cover all brands of insulin pumps for persons with T1D ages 7 and up. Instead, UnitedHealthcare has selected a preferred insulin pump brand. Patients are able to obtain non-preferred insulin pumps but have to go through additional approval steps, which are generally not successful. Imagine getting your groceries from a near by grocery store for years and then all of the sudden having to shop at a grocery store thirty minutes away because your original store no longer accepts your payment. That is what this new policy is doing to families who live with T1D, except we are not talking about groceries, we are talking about human lives and the quality in which they are lived.
This new policy doesn’t impact Nora or me directly, but we have had more than one experience dealing with an insurance company’s preferred brand and we most certainly will have similar experiences in the not so distant future. The fact that an insurance company can dictate what supplies and tools a person with T1D can use to manage their disease is infuriating and unethical.
If you would like to join me in voicing opposition to UnitedHealthcare’s new policy, please Take Action. A business has no business in deciding what is best for a persons management of T1D. T1D is not, and never will be, a one size fits all disease.