Diabetic Nightmares
I have this recurring dream. It usually goes something like this;
I am at my grandparent’s house in Bass Lake hanging out on our boat with our
family. Everyone is laughing and having a great time when all of the sudden I
either 1) jump into the lake sporadically or 2) fall into the water. After this
part happens I enjoy the cool water and the feeling of weightlessness, until
panic sets in. I reach down to my stomach where my insulin pump usually sits to
realize I didn’t detach my insulin pump! I scramble to the nearest thing
possible that will get me out of the water. Shaking with fear that I have
ruined the most expensive thing I own. I sit on the dock, pour the water out of
my pump and begin to push any and all of the buttons. I sit there praying
please don’t be broken, please don’t be broken; and then magically my pump will
be working fine and all of my panic releases from my body.
I love my insulin pump, obviously enough to dream about its well
being. But I have to admit, even though this is a dream, this could actually
happen. When I walk on my family dock at the lake I always have a quiet panic
attack inside of my head of what if I fell in right now? What then? Hopefully I
will have an emergency kit prepared, but let’s face it, syringes are in no
comparison to the blood sugar control I get from my insulin pump. I would of course get a new one, but paying
for a new one even if my health insurance covered it would still be a large
expense.
I called Medtronic this morning to ask some of these
questions. The customer service representative (CSR) was extremely nice and
answered my questions. I told him how I knew Medtronic would replace my pump if
it malfunctions, but wondered if they would replace it if it were lost/stolen
or I fell into a pool or lake. The CSR on the phone and I did laugh a little
about someone’s pump getting lost or stolen because its attached to your body 9
out of 10 times, but I thought I would cover all my bases. The most comforting
thing I got from this phone conversation was that my pump would/should survive
if I fell into water with it connected. The CSR said that your pump would
survive falling into water up to 25ft deep for a short period of time.
Now, from what I hear some insurance companies will cover
your pump if lost or stolen under your renters/home owners insurance using a
rider. For those of you who do not know what a rider is here is the definition
I pulled from ehow.com
“An insurance rider
provides the policyholder extra protection beyond the provisions contained in a
standard insurance agreement. Before purchasing the additional coverage, the
buyer should read the coverage outlined in the standard
policy and ask questions about any terms or clauses that he does not
understand. A buyer should determine if the additional coverage enhances the
overall policy and if it meets his needs.”
People usually need an insurance rider for expensive
jewelry, Persian rugs and so forth. Since an insulin pump is the most expensive
item some people own (grossing around $5,000 to $7,000) other than a home or
car this could be considered necessary. When I asked the CSR from Medtronic he
mentioned that this really wasn’t worth it. His reasoning again was because
your insulin pump is usually attached to your body. For my husband and I that
makes sense completely I only use my insulin pump and I carry it everywhere
with me, I think in the entire 6 years of having diabetes I forgot to hook
myself up to it. But I have met some diabetics who use both injections and
their insulin pumps depending on what they are doing that day. In that case I
would maybe get insurance because if a theft happens you would be responsible
to replace it with Medtronic. But your insurance company would cover some of
the cost for stolen properties. One thing for sure is, now I can feel safer
when I am near any kind of water.
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