Ready For The Zombie Apocalypse…

by Leighann on July 6, 2011

…or TLC’s new TV show “Diabetes Hoarders.”

We learned this spring that we might be losing our current health care provider and forced to switch from an HMO to a PPO. That change would mean hitting our wallets on several levels, choosing which kid’s health condition we should try to cover in case of hospitalization, and not having a single local provider that was contracted at the Tier 1 level. Not a single local provider!!

Regardless of which insurance plan we chose, we knew that July 1st we would have a different prescription provider. Currently we fill all of our prescriptions at Walgreen’s because they are 24 hours and they know me and work with me to get the prescriptions we need. This new provider does not allow members to use Walgreen’s for “maintenance” prescriptions, meaning you can’t get a three month supply. For maintenance prescriptions we will have to use another pharmacy, none of which are proximate to our home or work, are open 24 hours, or have easy to use online prescription management. (Maybe they keeps costs down by making it hard to actually fill your prescriptions.)

What also worried me about the change was not knowing if Q’s prescriptions would be covered immediately and without hassle.

Our endocrinologist is out of state, something for which we need an override.

Our prescriptions are for testing 10 times a day, something for which we need an override.

Will we need new prescriptions written? Will we need overrides? Will they even cover blood ketone strips? (Some don’t.)

So what does a D-Mom do?

She begins hoarding.

That’s right, I have been filling every prescription the second it could be filled regardless if my stock was dwindling or not.

So in the event of a zombie apocalypse (or really sucky prescription coverage), I think I have enough supplies to last until we can drive to Vermont.*

*I Am Legend reference, a book which is part of my 2:00 AM Book Club reading.

Diabetes Supplies

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{ 12 comments… read them below or add one }

1 Tonya July 6, 2011 at 9:20 am

Wow! I am amazed, as I have never seen more than one bottle of insulin and no more than 4 boxes of strips (4×50=200, our monthly allowance) at one time, as this is all we can EVER get from our insurance. And no more than 1 box of 10 pods, either. I did buy an extra pod as back-up, and had to pay out-of-pocket, $300, for that. I am sorry about your insurance woes, but jealous of your stockpile at the same time! 🙂

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2 Leighann July 6, 2011 at 9:31 am

Tonya- We can get a 90 day supply through the current company. And I found out that you can actually refill a little before the 90 days is up.

Ask if you can get your strips & lancets filled for testing 10x/day which is 300 strips. You might need an override for it. We also have our insulin rx written to allow for loss if a pod fails.

Do you get your pods from a medical supply company or directly? We were supposed to get them from a supply company, but I begged our insurance to let us get them direct from OmniPod who ships 3 boxes at a time. It was cheaper not to use the middle man even though our insurance had the middle man as the supposed preferred provider.

And part of that stash is the extra supplies that we normally keep at school.

If there is an apocalypse, you can come to my house 🙂

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3 Heather July 6, 2011 at 9:51 am

We are dealing with the same exact thing, my husbands company changed the whole insurance program starting July 1st. The new plan is horrible & we too have been stock piling in preparation. This is all very stressful, my son has been with his endo since dx 7 years ago & now he is not in network so would cost us 3x as much. Not to mention that the only close hospital is also not a preferred provider. We also now have a $3,000 deductible on all care that is not considered preventative, which of course doesn’t include 3 mo. Endo visits. Hopefully it will all work out for you & us.

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4 Leighann July 6, 2011 at 10:37 am

Heather, I feel for you! Hopefully your endo negotiates a contract with the new insurance company. (You should tell them your concerns and urge them to contract if possible.)

We may have to choose between having our local hospital covered as Tier 1 or the hospital in St. Louis where she sees the endo. Crazy thing is that the endo is covered, but if she was admitted, it would be Tier 3. Really?!

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5 Mike Hoskins July 6, 2011 at 10:27 am

Yes, stocking up is such a handy thing. I’ve been doing that most of my life (since taking over that aspect once my parents were out of the loop on my regular D-Management and insurance providing). Always stock up at the end, just in case there’s a problem down the road. This came up at DSMA Live at the San Diego session, too: That maybe subconsciously we even don’t go through supplies as quickly sometimes because we’re worried about not having them in the future. Of course, with all my stockpiled supplies, it’s the millions and millions of lancets that I have that will someday be used in the zombie apocalypse! Now, just need to find a lancet firing weapon to deal with the zombies… 🙂 Thanks for the post, Leighann!

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6 Leighann July 6, 2011 at 10:34 am

Exactly! I bet the MultiClix could somehow be turned into a lancet firing device. The trick is hitting them in the head.

And I’ve always wondered why adult PWD’s don’t just change the dang lancet every time! Is it to conserve them or is it rebellion?

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7 Joanne July 6, 2011 at 11:44 am

We went through the change from an HMO to a PPO a few years ago and I did the same thing with our supplies. I really need to take a picture of our cupboard, I think I have about 30 boxes of test strips. What I did was fill our rx with the HMO right before it ran out, then when the PPO plan started, I filled again, so I received 2x the supplies in 1 month.

I’m tricky like that.

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8 Leighann July 8, 2011 at 6:54 am

That is a good trick! I debated filling at the end of June because I had used all my FSA allotment and had to pay with cash. But I wanted to get them filled again just in case. Plus the new plan year means a new one time $50 extra copay on the first prescription for EACH family member.

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9 Amy July 6, 2011 at 6:54 pm

Oh the rings of fire we must jump through to get medical supplies. Ugh.

I love the zombie apocolypse analogy. Vvveeeerrrryyy funny 🙂

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10 Alissa July 7, 2011 at 9:07 am

I’ve been doing the same thing! Our insurance is changing to some random company in Sept and they are totally outdated. UGH!

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11 Leighann July 8, 2011 at 6:55 am

Stock up, girl. Stock up!

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12 Sarah Jane July 18, 2011 at 1:01 pm

I am hopefully going to get hired on permanently at my new job and that means I’m going to go from being parent-insured to self insured. This is a wonderful thing, considering I’m 24 and will lose coverage at 26 anyway, but I’m terrified!

We have had to use mail-order pharmacy for a long time now, and it sucks! I almost ran out of insulin on my trip this weekend! I miss the Walgreens days.

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