Doctors, Deductibles, Diabetes, Contract Work – OH MY!

Doctors and deductibles.  Both have things in common, but also a lot of differences as well.  You don’t want to have a high deductible, just as much as you don’t want to have a high doctor.  Your happy when you meet your deductible, hopefully you are happy after you meet your doctor.  But then comes my discussion and dilemma, which I know a lot of you share with me.  Do you skip or hold off on visits because you have met your deductible and then in two months it sets back to zero and you have to start all over again?

I need to go to the dentist because it has been almost a year and a half since I last saw my old dentist back in PA.  I don’t want to go right now because I haven’t met my calendar year deductible.  So why not just wait until January 1, right?  My endo was fine with that decision except that I said the same thing last year as well, which is exactly why I haven’t seen a dentist for as long as I have.  So then I started to think, is it just a lame excuse to not go and see the doc?  I also need to go get my yearly eye exam.  I do believe, however, that I went for a check-up earlier this year because I needed a new prescription for my contacts and needed new glasses.

Now, some of you may be thinking, how in the world have you not met your deductible this late into the year?  I got a new insulin pump in January, I have infusion sets, reservoirs, transmitter and sensors for my continuous glucose monitor (CGM), but they were all billed from an out-of-network provider, so that ate up my out of network deductible, but didn’t touch my in-network.  All of my doctors are all in network with the type of insurance that I have.  And of course the money that I pay every 90 days for my insulin does not go towards my deductible, why would it?  So that leaves me with only one thing going towards it and that is my doctor’s visits.  So until I meet that deductible, there is no co-pay, it is strictly going towards the deductible.

I started seeing my new endo back in May or June, don’t exactly remember and I have had monthly, well every 4-6 week visits since then.  And since the insurance isn’t covering anything yet, I’m sure you know much it is costing me for these endo appointments.  So I am paying a monthly premium for my insurance, but still paying monthly doctor bills.  I guess it could be worse because I don’t pay anything at all for my pump supplies and testing strips, at least not yet.

Now, getting a little off of the deductible topic and into a more general insurance topic, private insurance.  For those of you who have been reading my blog for a while, you know who I work for, and that has been disclosed before the FTC crack down on it.  Any who, I receive insurance from them as a full time employee.  I have also created a company within the last 60 days as well.  This wasn’t really a planned thing so I will explain it briefly.  I had friends and relatives that knew I was really into geeky, cool, tech things like website design, blogging, and social media.  A few people needed help getting started on Facebook and Twitter etc.  So then I said well why not start getting paid for doing this stuff.  Then it started to evolve and had people asking me to do their PPC campaigns, (Google Adwords primarily) and also some organic SEO stuff.  Now I definitely have to charge for that type of stuff because it is not the easiest and quickest stuff to do.  Do I have to disclose when I am talking about my own company?  Well, just in case, I own Chris Stocker Inc, with 10% of all profits being donated to JDRF.  Now you know the story, here is the question.

Since I am diabetic, I feel restricted that I have to work for a corporation that will offer me insurance.  Is this new PPC / SEO business paying the bills?  No, not really, so I’m not looking for this to be a full-time gig or expand it into something large with several employees, then in which I would be able to get some group insurance.  This is just something that I am extremely passionate about and love to do, so I do it on the side and would love for my career path to follow this way.  The only problem with that is a lot of work in this industry is done on a contract basis, and there’s no insurance in contracted jobs.

So what am I to do?  Are there any of you out there now that do this type of thing or any contracted work?  Or own your own business?  Like I said before, at this time there are no plans to expand to the level needed for insurance.  I would really appreciate all of your help on this.

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