# Losing job/insurance and the options that follow **URL:** \ **Category:** Insurance\ **Created:** [January 25, 2018, 1:32am UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330 "2018-01-25T01:32:06Z")\ **Posts on this page:** 20\ **Page:** 7
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 5:51pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/121 "2018-01-27T17:51:48Z")
Or me ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 5:54pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/122 "2018-01-27T17:54:50Z")
> [@cardamom](#): > > I think the main issue is, many of us find the idea of R/NPH being a back up option, while certainly better than nothing/death, an incredibly stressful, highly life-disrupting (even if not ending) prospect Sure… nobody is saying it wouldn’t be a PITA, but as we are both saying we are talking about what we’d do in a hard-times situation when other options weren’t available… ---
**Author:** ![cardamom](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/cardamom/32/2622_2.png) [@cardamom](https://forum.fudiabetes.org/u/cardamom)\ **Post date:** [January 27, 2018, 5:55pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/123 "2018-01-27T17:55:20Z")
Also re: my eyes, they are stable and doing well now, thanks. The reason it got so bad for a while was having really awful medical coverage during graduate school and not getting the necessary care earlier on, which goes back to the point that losing insurance is super dangerous for diabetics. ---
**Author:** ![Michel](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/michel/32/387_2.png) [@Michel](https://forum.fudiabetes.org/u/Michel)\ **Post date:** [January 27, 2018, 5:57pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/124 "2018-01-27T17:57:25Z")
> [@cardamom](#): > > Also re: my eyes, they are stable and doing well now, thanks. This is great to read, @Cardamom. ---
**Author:** ![cardamom](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/cardamom/32/2622_2.png) [@cardamom](https://forum.fudiabetes.org/u/cardamom)\ **Post date:** [January 27, 2018, 5:59pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/125 "2018-01-27T17:59:13Z")
> [@Sam](#): > > Sure… nobody is saying it wouldn’t be a PITA, but as we are both saying we are talking about what we’d do in a hard-times situation when other options weren’t available… Sure, but you are making comments like you’d choose cable tv over having modern insulins, which either means you are way more attached to your cable tv than I can understand or you are making a lot of assumptions that the rest of us disagree with about how relatively not a big deal it would be. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 5:59pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/126 "2018-01-27T17:59:55Z")
I love cable. And if I lost my job what else would I have to do with time except manage diabetes and watch TV? ---
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 6:02pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/127 "2018-01-27T18:02:49Z")
> [@Sam](#): > > I love cable. And if I lost my job what else would I have to do with time except manage diabetes and watch TV? And you don’t seem to understand why statements like this are truly offensive to people who have lived through R/NPH. But my video, though…watch out! World’s ending. Everyone knows you’re being sarcastic about this which is what’s bothering people. ---
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 6:05pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/128 "2018-01-27T18:05:52Z")
Regardless…everyone knows where everyone else stands on this particular topic. As @Michel stated, we should make sure this thread doesn’ drift too far from its original intent. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 6:06pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/129 "2018-01-27T18:06:07Z")
You know something interesting—— We’ve discussed a number of times how Walmart has R and NPH vials for $25… Well they actually have 2 different varieties of them at the Walmart near where I live. They are kept on seperate shelves in their cooler to keep them seperate because they are absolutely identical and otherwise indistinguishable… there’s the $25 cash vials. And the vials that are billed to insurance for $178. Found that interesting… it’s food for thought… ---
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 6:07pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/130 "2018-01-27T18:07:27Z")
> [@Sam](#): > > Found that interesting… it’s food for thought… It’s not really that interesting to me, or food for thought. We agree that there are many issues with “the system”…this is just one of those problems that will hopefully (one day) be addressed. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 6:10pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/131 "2018-01-27T18:10:29Z")
It’s very interesting to me… apply the same sorts of ratios to, say, a box of Lantus pens for example—say they “cost” $500 for example… and we might estimate that they actually have a fair market value of about $70. Although we can’t really say for sure, because the rebate amount is a tightly guarded secret ---
**Author:** ![cardamom](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/cardamom/32/2622_2.png) [@cardamom](https://forum.fudiabetes.org/u/cardamom)\ **Post date:** [January 27, 2018, 6:11pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/132 "2018-01-27T18:11:44Z")
> [@Sam](#): > > apply the same sorts of ratios to, say, a box of Lantus pens for example—say they “cost” $500 for example… and we might estimate that they actually have a fair market value of about $70. This is how our medical market works for almost everything. Welcome to private insurance, the driving factor behind it. If you don’t like it, you probably should consider supporting universal health care options. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 6:17pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/133 "2018-01-27T18:17:16Z")
lol, the us government pays $400 for hammers and toilet seats. They wouldn’t be my first choice to get insulin prices right. ---
**Author:** ![Katers87](https://avatars.discourse-cdn.com/v4/letter/k/a9adbd/32.png) [@Katers87](https://forum.fudiabetes.org/u/Katers87)\ **Post date:** [January 27, 2018, 6:20pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/134 "2018-01-27T18:20:49Z")
And yet other first world counries’ governments manage to negotiate significantly lower prices for insulin ---
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 6:25pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/135 "2018-01-27T18:25:41Z")
> [@Sam](#): > > lol, the us government pays $400 for hammers and toilet seats. [The myth of the $600 hammer](http://www.govexec.com/federal-news/1998/12/the-myth-of-the-600-hammer/5271/) Fraud, Waste and Abuse DO exist and I witnessed it first hand when in the Army. But because one system is broken is no reason to not try and fix another (or that) system. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 6:28pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/136 "2018-01-27T18:28:27Z")
> [@ClaudnDaye](#): > > Fraud, Waste and Abuse DO exist and I witnessed it first hand when in the Army I think everyone who’s ever worked for, in, or around government has witnessed plenty. Agree that doesn’t mean the other problems shouldn’t be addressed, just don’t agree that they’re capable of doing it. I’d like to see instead full price disclosures with insulin, elimination of PBMs. And a platform created where manufactuers are competing for my business. I believe that would lead to both lower costs and better innovations. ---
**Author:** ![cardamom](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/cardamom/32/2622_2.png) [@cardamom](https://forum.fudiabetes.org/u/cardamom)\ **Post date:** [January 27, 2018, 6:28pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/137 "2018-01-27T18:28:49Z")
Medicare is far more efficient than any private insurance. (Which is not saying it’s perfect by any means, but as far efficiency goes, it’s the best.) ---
**Author:** ![Katers87](https://avatars.discourse-cdn.com/v4/letter/k/a9adbd/32.png) [@Katers87](https://forum.fudiabetes.org/u/Katers87)\ **Post date:** [January 27, 2018, 6:35pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/138 "2018-01-27T18:35:58Z")
Can you give an example of a country that has made this work? I know they have something like that in Singapore, but the government heavily regulates the industry still. The country is so much smaller too that it would be hard to compare to the U.S. ---
**Author:** ![Sam](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/sam/32/10595_2.png) [@Sam](https://forum.fudiabetes.org/u/Sam)\ **Post date:** [January 27, 2018, 6:37pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/139 "2018-01-27T18:37:15Z")
I’m really not very familiar how it works or doesn’t in any other countries. Painfully familiar with how it doesn’t here… ---
**Author:** ![ClaudnDaye](https://yyz2.discourse-cdn.com/flex030/user_avatar/forum.fudiabetes.org/claudndaye/32/5_2.png) [@ClaudnDaye](https://forum.fudiabetes.org/u/ClaudnDaye)\ **Post date:** [January 27, 2018, 6:40pm UTC](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330/140 "2018-01-27T18:40:30Z")
> [@Sam](#): > > I’d like to see instead full price disclosures with insulin, elimination of PBMs. And a platform created where manufactuers are competing for my business. I believe that would lead to both lower costs and better innovations. This would be nice, but it’s as big a pipe dream as universal healthcare. Lots of people at the top (pharma) would ensure this doesn’t happen. [Previous page](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330.md?page=6) [Next page](https://forum.fudiabetes.org/t/losing-job-insurance-and-the-options-that-follow/3330.md?page=8)