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Health Insurance For Diabetics

Health Insurance For Diabetics

As the waistbands of residents of the United Sates continue to expand

, the rate of both chronic and terminal illness continues to increase along with it. Not excluded from this epidemic of obesity and the resulting medical problems is diabetes.

While some people develop diabetes despite a healthy diet and lifestyle, the vast majority of patients with diabetes have it due to their own undesirable habits, such as eating too much of the least nutritious foods on the market. Corporations do not help this trend, advertising their name brand food as the best choice for the modern American family. Schools struggle just to maintain their staff as budgets are cut, making healthy meals the least of the concerns of school administrators.

As our society continues to maintain a mindset of hyperdrive, health is sacrificed for speed of service, with fast food restaurants thriving despite economic hardship. Gone are the days of down home cooking and sit home dinners, and here is the reality of such a fast-paced society. It is no wonder that so many people are being diagnosed with diabetes today.

Individuals that are diagnosed with diabetes when they do not have health insurance will be hard-pressed to obtain a policy that offers a reasonable amount of coverage for an affordable price. While large group insurance companies can afford the extra cost of diabetes as a pre-existing condition, small group and independent policies will be much harder to obtain a decent policy from.Health Insurance For Diabetics


Anyone with diabetes and without large group health insurance still has some options for coverage, though. Eligibility requirements may be met for programs like Medicaid and Medicare, which offer comprehensive care at a minimum cost (or even free). However, there will still be plenty of people who qualify for neither of these government programs and will simply give up at this point.

Fortunately, there are even more options. Public health departments and clinics often offer free or discounted care and supplies for patients with diabetes that are unable to afford it otherwise, and have been denied by Medicaid or Medicare. While actual care may be provided by nurses or nurse practitioners rather than a physician, this is still a much better option than no treatment at all.

In addition, the vast majority of states offer a high-risk health insurance pool for individuals who cannot obtain approval from traditional providers. While this is certainly beneficial in some circumstances, many diabetes patients find these policies simply unaffordable due to the high premiums. Specific coverage varies across states, but always covers all pre-existing conditions.

Another option for health insurance for people with diabetes is the federal government's PCIP, or Pre-existing Condition Insurance Plan. Covering all pre-existing conditions in addition to any issues that may arise during the course of coverage, this policy is much more affordable than the state high-risk health insurance pool, but has some strict requirements for acceptance.

As may be seen, diabetes sufferers can still obtain health insurance regardless of their medical history, ensuring the best care possible.

by: Casey Trillbar
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Health Insurance For Diabetics