Anthem Blue Cross Discontinuation Notifications Delayed

From Anthem Blue Cross (CA) today.  California health plan discontinuation notifications will be delayed.  

"We're coordinating with Covered California to ensure members know all of their options"

Notices will be mailed out late September or early October.   Open enrollment begins on November 1st with early renewal period beginning October 1st.  

Don't wait for your notification to start planning your decision for 2018.  Shoot me an e-mail or give me a call to start reviewing your options.  

Dave
www.davefluker.com





Healthy California Schoolhouse Rock Part Deux

Healthy California recently released their second 'schoolhouse rock' styled video titled "Something Better Than Before".  

SB 562 is currently stalled in Assembly and will be part of the special session after September 15th when the California Assembly will take up solutions/options for universal coverage.  

In the meantime, enjoy the video 

Dave
www.davefluker.com










Cigna Leaving California Individual Market for 2018

Cigna has notified agents and subscribers of its intent to discontinue individual and family health insurance in California at the end of the year,

Citing instability in the health insurance market, Cigna will not offer health insurance coverage to individuals and families in California in 2018,  Additionally, those currently covered by Cigna health plans will have their coverage discontinued on January 1st and will be unable to renew coverage in 2018.

This decision, combined with Anthem Blue Cross' decision to exit most of the California individual market (16 of 19 rating areas) may cause disruption and force members to scramble for replacement coverage that includes their medical providers.

For 2018, PPO plans will be available only from Blue Shield statewide and Health Net in selected areas.  

If you are affected by the Cigna or Anthem withdrawals, please don't hesitate to contact me to help find a suitable replacement plan for next year.  

Dave
www.davefluker.com



Anthem Blue Cross Leaving Most California Rating Areas in 2018

Anthem Blue Cross California will be closing their individual & family ACA policies in 16 of the 19 California rating areas.  Anthem will remain available only in three areas, northern counties, central valley (Stockon-Merced area), and Santa Clara County.  

Plans will not be available to purchase nor renew in all other areas.  This action applies to both Covered CA plans as well as off-exchange private market plans.  

This action does not apply to Group Employer Plans, Medicare Plans (Medigap and Advantage) or grandfathered individual & family health plans.

Dave
www.davefluker.com



Diabetes Emoji



Do you think that diabetes is trying to tell me 
that it wants its own official Diabetes emoji/emojis?  
No joke and this is NOT photoshop guys. 

THIS is what I saw when I looked down at my fingers 
after I checking my blood sugar this morning (it was 111??.) 
FTR, that's my blood, not a Sharpie drawn smiley face~

Pretty damn trippy! 

Diabetes Makes Me Do That Thing Where I'm Always Checking

So..... checking as it relates to diabetes - does it drive you batty and please tell me I'm not the only one!
Do you have any tips? 

If so, please feel free to share - diabetesalicious minds want know!
Also, I apologize in advance for the ridiculous amount of times I use the words "checking," and "check." 
########
Diabetes makes me do that thing where I�m always checking. 
Checking to see if I have enough insulin and other meds; checking to see if I have my pump attached to my person before I walk out the door, and now checking to see if I have my PDM because I�m currently podding. 
Checking to see if I have enough test strips on my person and in my stash. 
Checking to see if I have enough pump supplies. 
Checking to see if I have enough juice; juice boxes, glucose tabs, and regular food in my house. 
Checking to make sure I have glucose tabs, or other low treats in my car.
Checking out the latest diabetes related studies, news, and the likes there of. 

Checking for little signs of diabetes burnout before they become big signs.

Then there�s the paper work required for all of the above, checking to see if my insurance not only covers certain med/supply, etc.,making sure RXs are up to date, doctors appointments are scheduled. 

Then there are things I shouldn't even have to check for, but must -  because someone else didn't do their job. Case in point - making sure my insurance company covers the right copay. 
Since I switched up my plan on March 1, my insurance company has charged me my old 60/40 co-pay for two different prescriptions instead of my current 80/20 co-pay. 
That's a big damn difference.

Guess who was the one to figure it out? 
Guess who was the one who spent two hours on the phone trying to fix it the first time and hour on the phone the second time making sure it was fixed? 

But back to checking. 
Checking blood sugars, checking for ketones, checking to make sure I have extra everything before I go out the door and start my day. 
.

Most days it doesn�t bother me because the checking has become second nature and I've figured a way to streamline my prep check. 
I have a cool looking (and slightly bigger than my 6+ iPhone when in it�s otterbox,)size brightly colored/insulated bag I use for my diabetes.
I keep my PDM; meter (which I don�t bring now, because I can check my blood sugar via the PDM,) test strips, pump/pod supplies, K-Tape, insulin, backup batteries. 

But even with streamlining, there are still some days when diabetes and checking throws me for a loop - like if my blood sugars are wonky, or if I�ve run out of test strips, or left something D related on the counter.... at home....or at the restaurant I've just left. 
When that happens, I feel like I also forgot to check for my sanity before I left the house, because I clearly feel like it's missing. 

And on those days when I feel as if I�ve checked for my sanity a million times and can�t locate it to save my life - I�m glad I have the Diabetes Online Community, DSMA, and my diabetes peeps.
�Checking out,� and taking a few minutes to read a blog post, chat on twitter, or text with a D friend - that makes all the difference. 
That right there is the best medicine - and I thank you guys for it.   

Diabetes And Changing Things Up~

I�m a go with the flow kind of gal, except of course when I�m not. 
I love new experiences, meeting new people, and exploring new places. 
But I�m not great with big life changes - even when they're good - and I know that about myself - It�s one of the things I struggle with and I know it holds me back. 
I have no idea why I struggle with life changes so much - but I�m pissed that I do and I�m actively working on fixing this issue - and some others. 

I liken how I embrace life changes to my love of swimming in the ocean - Seriously, it�s like one of my favorite things in the world to do! I love swimming, surfing, body surfing waves, and embracing my inner dolphin.
 I�ve been going out over my head since I was a kid  - jumping off a boat and learning to swam towards Lucy the Elephant at the age of 4. I bought my first surfboard at 25, There was a time I'd take a wave runner out on a 40 mile ocean jaunt no problem - and to this day I swim in the ocean until I start to turn blue. 
But as I grew up, I want from diving in the ocean without thinking... to easing my way in, jumping and dodging waves through the shallow water, cursing the cold waves as they hit my body and splashed my face - until I was finally ready to dive in and take the plunge. 
FTR, I know in my heart and head that if I would just take the plunge and dunk my head under the waves, the water would immediately feel warmer - but I still don't. 
I ease my way in - It takes me a good 5 minutes to dive under my first wave  - and then I�m home free, feeling groovy, and riding waves until I'm too tired to continue. 

Which brings me diabetes - after years of wearing an insulin pump with an expired warranty and using the same brand glucose meter for most of the time, I knew it was well past time to make some changes in my diabetes tech management. 
It�s not like I didn�t want to - I totally did. But my old insurance deductible was super high (and my co-pay, not what I would call generous,) and don�t even get me started on commitment issues re: warranties
But enough was enough, I was well overdue and I knew I needed updated diabetes technology in order to not only stay healthy, but to utilize the elixir of life we call insulin. And I was THIS CLOSE to meeting my deductible - it was the perfect time to switch things up. 
Sidebar: I�ve been dealing with abdomen scar tissue issues for quite some time - problematic on all fronts - not only absorption issues, but I was literally having to change my infusion site every 24 to 34 hours, instead of every three days because of absorption issues - and that gets freaking expensive
I tried my legs and that would work slightly longer, but I could never navigate my arms (tubing issues,) or my back (contortion issues). 
I spent an inordinate amount of time on the phone battling my insurance company to pay for extra boxes on infusion sites, my daily 24 hour insulin insulin consumption kept creeping up and up, as did my frustration levels. 

I seriously considered taking an extended pump vacation, but after having a heart-to-heart with my fabulous Endo Dr. J, and we both felt that Insulet's OmniPod would most likely be the best solution for me. 
I could give my abdomen a much needed and extended break from infusion sites, while trying out other sites on my body. Plus, I'd have 45 days to see if the switch was working for me.

After talking with the some folks at the Insulet/Omnipod booth at the Children With Diabetes, Friends For Life Conference, the paper work was set in motion, my insurance company approved my switch from 15 years on Medtronic, to Omnipod (and paid for a nice portion of it,) and from LifeScan test strips to FreeStyle - no problem. 

Two big diabetes changes for me in a relatively short time.
Beginning with a convo at my Endo's office on June 5th, followed by a convo in Orlando this past July at CWD,FFL, and officially kicking-off on July 31st, at 3 pm, eastern standard time - when I inserted my first OmniPod. 


How's going?? 
My next post is all about my first 10 full days podding - stay tuned!!

Scam alert: SHIBA impersonators cold-calling consumers

We've learned about a phone scam that started in Snohomish County in which consumers are getting cold-calls from someone who says they are with SHIBA, the Insurance Commissioner�s Statewide Health Insurance Benefits Advisors. SHIBA representatives never cold-call people. 

If you or someone you know gets a call like this, hang up -- do not provide any personal information. Report the incident and, if you have caller ID, the phone number to us at 1-800-562-6900

About SHIBA
Washington state's SHIBA provides free, unbiased and confidential help with Medicare and health care choices to people of all ages and backgrounds. Our volunteer advisors are located around the state. SHIBA is also Washington state�s Senior Medicare Patrol project that helps consumers prevent, detect and report Medicare and Medicaid fraud and abuse. Contact SHIBA by email or at 1-800-562-6900.

Kreidler supports flood insurance reauthorization, increased private participation


Congress has until Sept. 30 to reauthorize the National Flood Insurance Program (NFIP), the federal government-run flood insurance market.

Flood damage is not covered by homeowner�s insurance. Consumers who want to protect their property must purchase a policy through the NFIP.

Washington state Insurance Commissioner Mike Kreidler the National Association of Insurance Commissioners (NAIC) are urging Congress to reauthorize the NFIP prior to its expiration on Sept. 30. Reauthorization would help avoid short-term extensions and program lapses that create uncertainty in the insurance, housing and lending markets.

Kreidler and the NAIC support the Flood Insurance Market Parity and Modernization Act, which also facilitates the growth of the state-regulated private flood market.

�State insurance regulators support this legislation because it provides consumers with more options for coverage which could lead to more affordable prices,� said Kreidler.

In recognition of the growing private flood market, the NAIC will start collecting information from insurers about their private flood insurance activity. This data will provide the OIC with a comprehensive overview of the size of the private flood insurance market and insights into the market as it grows.

Finally, My Experience at #CWDFFL2017 - It Was AWESOME

First my apologies for not posting sooner. 5 days after I returned from CWDFFL, I came down with a nasty viral infection (that I�d probably been fighting off since before I went to Orlando,) that left me with a low grade fever and down for the count for a little over 2 weeks.I've never felt so horrible in my life, I never want to feel that way again. 
More about that ridiculousness in another post because late or not, I want to share my Children With Diabetes Friends For Life, experience.
And yeah, I agreee - IT'S ABOUT DAMN TIME.
######
When People ask me about the Children with Diabetes, Friends For Life Conference - it�s hard to put into words - and it�s not. 
Amazing
It�s truly amazing being around people who �get it,� without ever having to utter the D word. 
The immediate friendship and feelings of �me too," that green and orange bracelets bring not only prove that you are not alone - it�s also makes you feel safe and connected  - even if you�re attending the conference by yourself - TRUST ME. 

HAPPY - so much happy!
Watching First Timers became part of the mix makes my heart happy for several reasons. I was a First Timer once, I know how it feels - I also know how it feels when the First Timer fears wash away and the feelings of happiness and community replace them - it�s freaking magical. 

Having a green bracelet wearing child see your green bracelet and watch as you change out your insulin pump reservoir between sessions, and then come up to you all excited saying: Mommy and I just changed out my reservoir too!
And then you get excited and all of a sudden you�re grabbing snacks from the snack table and have become fast friends - and friends for life. SO COOL.

All of It
Laura Hugs; hanging with my DOC peeps in real life, watching some special children with diabetes (and their equally amazing siblings,)  I�ve loved over the years grow up and continue on with the fabulous - And damn if I don�t swell with pride!

Hanging out with friends who have become family and that you see for one week every year  - so many hugs, so much laughter - and it makes you feel great to be alive!

Meeting new adults and children with diabetes and having them become part of the tribe.
And don't even get me started on the Jalapeno Margaritas!

Caring - so much damn caring. 
The unspoken rule of �no man or woman left behind,� and seeing it put into action time and time again. Like when your friend experiences a low and you and your friends spring into action - one goes and grabs a soda, the other offers glucose tabs, and another stays with with your friend - and a Disney employee name Christal from the Snack Bar, runs up with juice and food because Disney not only knows that  CWD,FFL is in town, but are there to help anyone in a green bracelet experiencing a low/ high blood sugar, or anything in-between. 


Whether it�s having friends (who are parents to a grown up t1 daughter and newly minted mommy,) pick you up juice boxes and bottled water at Publix because they worry about you having middle of the night lows - and the wife waits in her car while her husband walks you back to your room and refuses to let you carry any packages. 
Also, said D mama was very specific as to what brand and flavor of juice boxes required because she knows PWD (people with diabetes,) have their preferences. 
Or your PWD friend from the UK, who brings you Cadbury chocolate from Merry Olde England because she knows how much you dig British sweets! 

Safety
There�s the feeling of safety felt when I experienced a nasty low on my way back from the exhibit hall - and my friend Joanne ( an awesome chick and DMomma,) sat with me while I downed a Mickey Mouse Ice Cream pop. 
Then Jeff Hitchcock stopped over and said - it�s OK, you�re not alone -and again, the feelings of safety and security washed over me. 

AWE 
I kid you not, you're awe inspired every damn day at CWD,FFL. In awe of the children, adults, staff, speakers, performers, faculty and yes, in awe of the sunsets! 

On a personal note, I watched in awe as children with and without diabetes come up to the IwishPeopleKnewThatDiabetes booth and drop truth bombs and words of wisdom - same goes for the adults! 

Personal note, part 2. There�s the gift of my own personal journey -not always diabetes related - personal insights from D friends, when they saw that I was  struggling with things having nothing to do with diabetes - and care enough about me to take me aside and talk. 
You know who you are. Thank-you and IRREPLACEABLE. 

HOME
CWD,FFL feels like home, because it has become just that to all those who attend. 

Bottom Line: Every day at CWD,FFL there are boatloads of wisdom; tears, laughter, (SO MUCH LAUGHTER,) knowledge, understanding and everything else in between - you are surrounded by those feelings for a solid week.

The Children With Diabetes, Friends For Life Conference is wonderful and overwhelming all rolled into one - and I wouldn�t trade that week in Orlando (IN JULY,) for anything! 

If you have a child with diabetes, or an adult with diabetes - give yourself the gift of attending CWD,FFL!
Here's the LINK to all the upcoming CWD conferences so you can do just that!
And you can thank me when we�re hanging out by the pool next July ;)

New Medicare cards are coming starting in April

The Centers for Medicare & Medicaid Services (CMS) will start mailing redesigned Medicare cards to beneficiaries in Washington state aft...