Once you have been diagnosed with diabetes, you’ll find that certain health care insurance programs can suddenly become more costly. In some cases, it can even be impossible to obtain one. That’s because a lot of health care insurance corporations are allowed to use an applicant’s health status as a basis for their insurance premium. In some cases, a health care insurance company can also refuse to sell policy to an individual if he has a chronic health condition.
Here are some things you ought to know about getting health care insurance when you have diabetes:
<h3>You should be able to show you can manage your condition.</h3>
Whether you have Type 1 or Type 2 diabetes, it is important that you are able to implement a sensible management plan for your diabetes. That’s one of the factors that life insurance carriers consider in order to sell you coverage and if you can show you have a well-regulated blood glucose, are able to lead a healthy lifestyle and do not exhibit any complications caused by diabetes, you’ll not only get coverage, you’ll also get reduce premium rates.
<h3>Look for a policy that considers your overall health.</h3>
Certain health care insurance polices do not focus on certain health conditions that you might have at the time of application. There are also those that consider your overall health.
<h3>No means no, but…</h3>
Medical Insurance corporations aren’t all alike. If you get rejected by one, move to the next and if you find some who will sell you a policy, make sure you compare rates and benefits.
Is it possible to be rejected by a health care insurance company if I have diabetes?
If you are employed and your employer pays for a group health care insurance program, then you do not have to worry. A company-sponsored health care insurance program is not allowed to reject an individual by using his health status as a basis. Nonetheless, most corporations do require new staff members to undergo a physical exam or provide health information through a questionnaire before the staff members are enrolled in a health care insurance plan.
If you have your own health care insurance policy, it is a different matter. Your insurance carrier is not required to provide the same kind of protection for a consumer. Most health care insurance available for individual enrollees have what we call “medical underwriting”, where an insurance carrier can decidewhether or not to sell you insurance coverage.
Your application will be based on certain personal information such as your age, gender, medical history, health status and so on. Even if you do receive coverage, certain restrictions might apply, which will limit your benefits and decidethe cost of your premium.
It will also depend on which state you live. Some states, for example, do not allow medical underwriting while others provide insurance carriers who will offer coverage regardless of their health status. Some states even restrict the sale of health care insurance programs to certain residents. To find out what your state allows, go to your local health policy agency or check your local consumer guide to see if you’ll qualify for health care insurance if you have diabetes.
<h3>What other health care insurance options do I have?</h3>
Having diabetes will make it a little hard on you to look for the type of health care insurance coverage that’s more to your liking. Nonetheless, there are certain sources that you can tap if it seems you are going nowhere. They include Medicare, Medicaid and Medigap. If your health care insurance need came as a result of your losing a job or health insurance, you can turn to TAA tax credit or COBRA. You are able to also check with major pharmaceutical corporations who offer assistance programs to uninsured patients so they have access to diabetes medications.
What’s the available health care insurance for a senior over the age of 65 with diabetes?
If you are eligible for Medicare and have a Medicare managed care policy or bought a Medicare Part B coverage, you should qualify for certain diabetes supplies such as lancets, testing supplies, test strips and monitors for blood glucose and control solution to be used for calibrating meters. There are restrictions and limitations, however, so make sure to check with Medicare (MediCare.org) to see how you’ll qualify for which diabetes supply or service.
If you have diabetes and are looking for health care insurance coverage, you might find that it is a little difficult to do. Nonetheless, it is not entirely impossible because there are options you can use that’ll ensure you get sufficient or at least a little coverage to help you manage your condition effectively.
Leave a Reply