Tuesday, February 14, 2006

Learned of lost Guardian, replacement insurance concerns

Jenny says:
A mom that I know through the CWD mail list, has a 8 year old daughter on the Guardian RT. Unfortunately, a few days ago, they lost the monitor. The last place they remember seeing it was in Walmart. I can see how this could happen. The monitor has a belt clip, but it is not tethered like a pump. So it can go anywhere!! I have everyone I know praying to St. Anthony. I guess that is suppose to do the trick.

As soon as I heard this I called our home owners insurance agent about coverage for Tommy's pump and new Guardian RT. He gave me a quote on a rider after he called headquarters. They came up with $213 annually to cover the pump and the Guardian RT if it is lost or stolen. I guess it was a cheaper rate because I am not asking our home owners to cover it if it is damaged, only if it is lost or stolen. (Medtronic says that both devices will be covered by Medtronic if damaged. Yes, even accidental swimming, dropped in toilet, ran over with bike, these are all covered. I asked.)

Our home owners agent suggested that I contact our health insurance first before getting the rider. I checked this afternoon and found out that our health insurance will cover, up to 1 per year, a replacement pump if lost or stolen. Great news. I'm not sure if it would be at 80% or not. So now I will just need to find out how much it will cost to insure the Guardian RT if lost or stolen.

I am also working on labeling all Tommy's equipment. He has 2 meters, a pump, and a Guardian RT that should all be labeled. I'm going to try somehow to fit a sticker on these things that says: Diabetic equipment for a child/Call immediately if found/###-###-####. Hopefully that will deter anybody who might otherwise think that it is something cool to steal.


Dawn said...

My son also has a minimed pump, we live in WI and have American Family Insurance and our agent says it'll cost us $300/yr. What did you end up doing? Is it a rider? Is it possible for my agent to contact your agent?

Tommy said...
This comment has been removed by a blog administrator.
Tommy said...

Jenny said...
After a tip from our American Family agent, our pump will be covered by our health insurance plan for no extra charge. Make sure you check with your health insurance plan. When I originally called our American Family agent he quoted us about $200 annual for the pump. Then he found out that I didn't need coverage for damage just theft and loss. And after that I asked about coverage for lost or stolen on the Guardian and the pump, and that is when he said around $200 again. I think when you take out coverage for damage it really reduces the charge. So, I am hoping that for just the Guardian it will be even less. I haven't found out yet what just the coverage for the Guardian will be. The American Family Agent is Jim Peterson, Janesville.

Shannon said...

I checked out the Guardian on the Medtronic website. Even though Brendon is only 6, I figured what the heck, why not check it out.

His doctor is in Boston which is one of the cities where it's available. I've sent for information and will bring it up at his next appointment.

We'll see where all of this takes us.

Tommy said...

Jenny said...
We would love to hear what your doctor says. Keep us posted. Tommy will be writing about his take on this whole thing, so you can use his 10 year old reactions to enter into your decision. Even though his last post sounds a little down, he is actually very excited for Thursday to come. He is anxious to see it work.

Allison said...

Hi! My name is Allison and I'm the Director of the Diabetes O.C. website. I really really want to add you to the directory, but I can't until you fill out the submission form. I just wanted to remind you about that, in case you didn't know that you had to do it.

I really love your blog and I think it's so cool that kids are getting on the Guardian. It's a whole new world!

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