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Diabetic Insurance Plans

Health Insurance And Diabetes

Health Insurance And Diabetes

Almost everyone with diabetes has a run in with health insurance concerns at one time or another. A quick search of "diabetes" and "insurance" brings up hundreds of forum topics with people talking about their insurance woes. Most people with diabetes either have insurance that won't cover enough of their diabetes needs, like test strips, labs, and doctor's visits or don't have insurance to help at all. If you have insurance, how do you get them to give you the coverage you want and need? If you don't have insurance what other options do you have? There are a couple of things you can do to help insurance maneuvering go smoother and weve listed some of them below. Weve also included some helpful links for further reading. Your physician and diabetes healthcare team will help determine what you need for good control. Be sure to obtain any referrals that may be needed to see specialists, such as an endocrinologists or internist or diabetes educator who specializes in glucose control and handling of diabetes complications. From their suggestions, you want to check with your insurance company to see what they cover, which brands they cover, and what amounts they cover. Find out if you have to visit certain pharmacies for your supplies. Your copay may be lower if you order your medications and supplies by mail. You should ask about test strips , insulin, medications , lancets, syringes, insulin pumps , continuous glucose monitors and any other supplies your team suggests. Also, ask if they reimburse for cash purchases from companies that don't accept insurance payment. Most insurance companies cover insulin pumps and supplies. The pump companies will help you through the insurance process if you contact them. Visit our Current Insulin Pumps page for links. Some insurance com Continue reading >>

Life With Diabetes Is Sweeter Thanks To Obamacare

Life With Diabetes Is Sweeter Thanks To Obamacare

Home | Blog | 2016 | 01 | 20 | Life with diabetes is sweeter thanks to Obamacare Life with diabetes is sweeter thanks to Obamacare ACA delivers consistent access to quality care and that makes a world of difference in managing and preventing the chronic condition Writer, communications strategist specializing in healthcare, issue advocacy When Alexander Star was 15 years old, he thought he was the picture of health, especially after he made the varsity basketball team. But when he told one of his teachers he needed to go to the bathroom every 10 minutes, she rightly told him he should be checked for diabetes. Frequent urination is a classic warning sign. When the doctors tested Stars blood glucose level, it was 1,300 mg/dL dangerously high considering that even in people with diabetes the goal is to keep blood glucose levels between about 100 and 150 mg/dL. The doctors wondered why I wasnt in a coma, says Star, who is now a 29-year-old recording artist/songwriter living in Florida. That was the beginning of my journey as a type 1 diabetic. He started taking better care of his health, which includes eating right, as well as taking insulin and checking his blood glucose levels multiple times a day, a regimen that can get expensive. He was covered under his fathers insurance plan until he turned 26 when he suddenly found himself without health insurance he could afford. The COBRA plan I was on shot up from $120 a month to $512 a month for the exact same plan, a cost that was not do-able for me, Star says. Fortunately, the Obamacare marketplace opened up soon after and he enrolled in a new plan. If it wasnt for Obamacare, I dont know how Id be capable of taking care of myself, Star says. Even if I had a lot of money, before Obamacare they could still decline me because I h Continue reading >>

Jobs With Health Insurance That Will Cover Diabetes?

Jobs With Health Insurance That Will Cover Diabetes?

Jobs with health insurance that will cover diabetes? Jobs with health insurance that will cover diabetes? So I am in a crunch to get a job soon. I'll be 25 in April and need to get on some where (anywhere!!!) full time to get coverage for my type 1 diabetes. Where is everyone working? That would provide insurance foe your diabetes? ** if this is the wrong forum, please move. That is a difficult question. I have a son turning 25 who will be in the same situation. Actually the best insurance coverage is usually with unions or government work. Most businesses tend to have high deductible policies or HSA's. I would imagine the larger the worker pool in the company the better your insurance. We have a small business and we pay through the nose for insurance and we have a very high deductible. What is your degree in? Right now the only businesses that are hiring are the health care industry and the federal governemnt. If you're near the DC areas I would take the civil service test. I am in Missouri I have been interviewing everywhere for any job I can get that is a larger company. Sprint seems to have excellent (and affordable) insurance. And I am playin the waiting game with them right now as I hAve done all the interviewing. I have even considered walmart, due to their good insurance and cheap prescriptions. D.D. Family T2 since 1996 and struggling to be healthy. I am a retired US diplomat now self-employed in China. Still have my US Foreign Service Health Insurance and it is very good. Job prospects in the US government are not great these days, but you might look into federal employment. I didn't realise Walmart had good insurance . We have insurance which we pay about $900 a month and still have to pay full price for supplies, drugs, etc and all lab tests until we have Continue reading >>

Health Insurance For Diabetes?

Health Insurance For Diabetes?

Most people with diabetes need health insurance, but having diabetes creates insurance problems. How can you get insurance that works for you? Why people with diabetes need health insurance According to a study in the journal Diabetes Care, People with diagnosed diabetes, on average, have medical expenditures approximately 2.3 times higher than they would have without diabetes. In 2012, these expenses averaged $13,700 dollars per person per year. Major costs include: Medications. The newer and more high-tech your prescription drugs, the more they will cost. Sulfonylureas and metformin are almost free, while GLP-1 agonists, DPP-4 inhibitors, and SGLT-2 inhibitors would be out of most peoples price range without insurance. Medical visits. Besides seeing your general practitioner and maybe an endocrinologist, you are supposed to see an eye doctor once a year, a podiatrist, and if complications threaten, maybe a cardiologist and a nephrologist. Specialists cost a lot. You might also see a diabetes educator, dietitian, or counselor. Diabetes equipment : Meters, test strips, lancets, and possibly a continuous glucose monitor (CGM), to start with. Syringes or a pump if you use insulin. Glucose tabs. Special shoes or inserts. And so on. Care of complications can cost a lot, and are mostly not counted in the cost of diabetes care figures quoted above. Unless youre rich, you will need some kind of medical insurance to cover diabetes care costs. Unfortunately, insurance may be difficult to get. Not long ago, people with diabetes could be excluded from health insurance because of a pre-existing condition. The Affordable Care Act (Obamacare) made that discrimination illegal, but that doesnt make it easy to find insurance. According to CNBC, most Americans are covered through their Continue reading >>

Life Insurance For Diabetes

Life Insurance For Diabetes

Premiums on life insurance for people with diabetes are likely to be higher than for those without the condition, but this doesn't mean you have to pay over the odds. If you have diabetes and have applied for life insurance in the past then you will know how difficult it can be. This is where our team of Diabetes Life Insurance experts can assist well help you to find the best cover for you and your family at the right price. We aim to save you money on the premiums that you pay for life insurance by searching the market to find you the best insurance provider. Our expert advisors have several years of experience so we understand what you need and we are here to make sure that you get it. Get a FREE, no obligation diabetic life insurance quote below. We'll find the most suitable cover for you at the cheapest price. How we work: It is very important for anyone with diabetes to apply to insurance providers with strong underwriting for your condition. Our team of experts know exactly which insurance provider will be the best for you and it is our job to make sure that you get the best cover in place at the right price. Over the last several years there has been a move towards more flexible underwriting for critical illness cover with diabetes. There are now several insurance providers who will offer critical illness cover for people with diabetes which can vary depending on the insurance provider. Unfortunately we can only get critical illness cover for type 2 diabetes ; it is not available for type 1 diabetes . Critical illness cover for people type 2 diabetes can be assessed among those who are: We are constantly working with life insurance providers to help improve underwriting for critical illness cover for people with diabetes. As a diabetes life insurance specialist Continue reading >>

Health Insurance And Diabetes: An Expert Guide

Health Insurance And Diabetes: An Expert Guide

Health Insurance and Diabetes: An Expert Guide Navigating the complex world of health insurance can seem overwhelming. Here's advice to help you sort through it to get the most diabetes coverage for your insurance dollar. Written by Amy Hess-Fischl, MS, RD, LDN, BC-ADM, CDE Navigating health insurance when you live with diabetes can be a nightmare. Here's some advice from an expert.Navigating the health insurance world with type 1 diabetes or type 2 diabetes takes some skill, but it's definitely doable. Having diabetes means that your health insurance needs will change. It's important to have a medical insurance plan that covers the needs of your conditioninsulin (if you need it) and other diabetes supplies and medications. Make sure you fully understand your health insurance plan and the options available to you. If something doesn't seem right or if you have questions, call your health insurance provider. You can also go to your health insurance provider's website, which typically provides answers to frequently asked questions. #1. Know these terms since they will be used to discuss cost of diabetes supplies and medicines: Coinsurance: the % of costs you are required to pay after you have met your deductible. Copayment: referred to as copaysa fixed fee you pay for each covered health care service after you have paid your deductible. Deductible: the amount have to pay for your covered services before your insurance provider begins to pay for the rest of your expenses. Durable Medical Equipment (DME): Any equipment and supplies that are ordered by your health care provider as an everyday necessity use. This includes blood glucose monitors and test strips, insulin pumps, continuous glucose monitors and CPAP machines. Out-Of-Pocket Maximum: the amount of annual expenses Continue reading >>

Financial Help For Diabetes Care

Financial Help For Diabetes Care

How costly is diabetes management and treatment? Diabetes management and treatment is expensive. According to the American Diabetes Association (ADA), the average cost of health care for a person with diabetes is $13,741 a year—more than twice the cost of health care for a person without diabetes.1 Many people who have diabetes need help paying for their care. For those who qualify, a variety of government and nongovernment programs can help cover health care expenses. This publication is meant to help people with diabetes and their family members find and access such resources. 1American Diabetes Association. Economic costs of diabetes in the U.S. in 2012. Diabetes Care. 2013;36(4):1033–1046. What is health insurance? Health insurance helps pay for medical care, including the cost of diabetes care. Health insurance options include the following: private health insurance, which includes group and individual health insurance government health insurance, such as Medicare, Medicaid, the Children’s Health Insurance Program (CHIP), TRICARE, and veterans’ health care programs Starting in 2014, the Affordable Care Act (ACA) prevents insurers from denying coverage or charging higher premiums to people with preexisting conditions, such as diabetes. The ACA also requires most people to have health insurance or pay a fee. Some people may be exempt from this fee. Read more about the ACA at HealthCare.gov or call 1–800–318–2596, TTY 1–855–889–4325. Key Terms Some terms listed here have many meanings; only those meanings that relate to the financial and medical aspects of diabetes and its management and treatment are included. affiliation period: a period of time that must pass before health insurance coverage provided by a health maintenance organization (HMO) be Continue reading >>

Young Adults And Health Insurance

Young Adults And Health Insurance

Editor’s note: We recently received the following heartbreaking letter. The article that follows was first published in May, 2006. Little has changed. “I think someone should address the issue of young adults with diabetes that are going out on their own, leaving home, when they are no longer on their parents’ insurance, can’t get insurance themselves, can’t get help through the state if they don’t have a child. I should know. I am 22 years old with over $100,000 dollars in debt, all of which is medical. I have poorly controlled diabetes due to years of not being able to afford bottles of insulin that cost a $100 dollars apiece. I need at least three a month and I was on my own paying bills and I couldn’t get help. I had to sacrifice and most of the time I gave up my medications. I was in and out of the hospital in DKA every three months. I feel like giving u. I have so much debt and a life time ahead of living with diabetes.. I’m married now with a child and I wonder what I have done to my husband who was pretty much debt free before and now can’t get a loan for anything. How can I provide for my daughter when I can’t take care of myself? I want to make sure people know how hard it is for an 18 year old out on their. I don’t want anyone to end up like me over $100,000 in medical debt living in a basement, depressed, and out of luck.” -Ladonna, 2/11/09 For most young adults, May is a month of looking forward. The month of May heralds summer vacation, and for those graduating from high school or college, it offers a diploma with a stamp of independence. But Nicole Daley, a 23-year-old type 1 in New York City, warily eyes this impending milestone. She’ll be graduating from the Fashion Institute of Technology this month, and eight months later she Continue reading >>

Diabetes Life Insurance

Diabetes Life Insurance

It is very possible to get life insurance if you have diabetes. Affordable life insurance is very likely available to you, especially if your diabetes is under control; you can usually get affordable rates if you respond well to treatment and lead a healthy lifestyle. Even if that is not the case, there are still ways to find the coverage you need. To keep your search for affordable life insurance efficient and your stress low, contact an independent agent in the Trusted Choice® network. Trusted Choice member agents have working relationships with multiple insurers and can track down harder-to-find insurance options. Contact one of these agents today to get several competitive quotes on life insurance for diabetes. Diabetes Statistics in the U.S. 25.8 million children and adults, or 8.3% of the U.S. population, have diabetes 18.8 million people have diabetes which has been diagnosed 7.0 million people have diabetes which is undiagnosed Can I Get Life Insurance as a Diabetic? You can get life insurance if you have either Type 1 or Type 2 diabetes, providing your diabetes has been under control for a period of at least 6 to 12 months. You can also get life insurance if you are insulin dependent. Diabetics who have their diabetes under control may or may not be approved for life insurance coverage if they have additional contributing health risks, such as: Coronary heart disease Smoking Obesity High blood pressure which is not controlled You will not typically be approved for life insurance policies if your diabetes is not under control. You may be able to purchase specialty life insurance options like guaranteed-issue life insurance, but you’ll pay hefty premiums for your coverage. Can I Get Diabetic Life Insurance Without a Medical Exam? You can get life insurance wit Continue reading >>

Diabetes | Florida Health Care Plans

Diabetes | Florida Health Care Plans

According to the Mayo Clinic, diabetes refers to a group of diseases that affect how your body uses blood sugar (glucose). It is a disease that requires daily self-management by making healthy food choices, staying physically active, monitoring blood sugar and taking medications as prescribed. It is also important to talk with your diabetes care team to reduce risks for complications, to problem solve and cope with lifestyle changes. Successful self-management may help you feel better and reduce your chance of developing other complications including heart disease, dental disease, eye disorders, kidney disease and nerve damage. Diabetes is a very personal disease. Florida Health Care Plans provides a comprehensive Diabetes Education Program approved by the American Diabetes Association. It is provided by Registered Nurses and Registered Dietitians who are Certified Diabetes Educators. The goal of this program is to provide you with the tools, skills and techniques necessary to follow your doctor's treatment plan. Continue reading >>

Life Insurance For Diabetics | Best Type 1 Or 2 Diabetes Life Insurance

Life Insurance For Diabetics | Best Type 1 Or 2 Diabetes Life Insurance

All we do here at Diabetes Life Solutions is work to find the lowest available rates on life insurance for diabetics. We advocate on behalf of our diabetic clients daily and are experts in finding the best rates for our diabetic clients. With access to over 80 life insurance carriers, we represent you and not any specific life insurance company. Securing the best diabetes life insurance rates available comes down to choosing the right agent or agency. Were the ones that are going to pitch your risk to the underwriters, so make sure youre working with an expert. Looking for the best life insurance for diabetics? If you have diabetes and youve been turned down for life insurance coverage in the past, you may feel like getting the protection that you need is impossible. But, the good news is that you can still obtain life insurance you just need to know how and where to look. Being prepared when submitting your life insurance application for coverage is also important and we can help you to do so. Diabetes Life Insurance What Underwriters Need To Know While life insurance for diabetics may be a bit more difficult to obtain, it is not impossible, provided that you are prepared with the information that the insurance underwriters will want to know from you about your condition. Overall, life insurers are concerned with how risky an applicant will be in terms of potentially having to pay out a costly claim should the company accept the person for coverage. With that in mind, a carrier will need to know how, and how well, your body responds to any of the treatments that you receive for your diabetes. According to the National Diabetes Information Clearinghouse , Type 2 Diabetes affects approximately 90 to 95 percent of those who have diabetes in the United States. Over the pa Continue reading >>

Tips For Buying Health Insurance

Tips For Buying Health Insurance

No insurance company is eager to insure the health of people with diabetes. In fact, they do so only when forced by competition or political dictate. Whenever possible, insurance companies attach restrictive diabetes riders, exclusions, and waiting periods to limit or eliminate their financial exposure. Who can blame them? People with diabetes have more frequent and extensive medical claims than the general population. Its not the costs of insulin, syringes, or blood tests that alarm insurance carriers. Rather, its a persons long-term risk for serious diabetic complications such as blindness, cuts that wont heal, or circulatory problems that can be hazardous to an insurance companys financial health. While a person with diabetes in his 20s or 30s may be as claim-free as any other healthy person that age, the prospect of future medical problems is more than just a possibility; its a probability. And since insurance companies deal in probability, people with diabetes represent potentially devastating financial losses. Even under the best of circumstances, its not easy for an insurance company to earn a profit from medical insurance. Hospital beds that not so long ago rented for $50 a night now cost thousands, miracle drugs priced at $100 a pill are commonplace, a simple appendectomy costs several thousand dollars, and theres no end to this trend in sight. Insuring people with diabetes only adds to a companys problems. Along with the escalation of medical costs, adverse federal and state mandates have caused hundreds of commercial insurance carriers to leave the marketplace altogether. What remains is a sellers market in which the consumer has very little room to negotiate. The few companies that continue to underwrite medical coverage are very selective as to whom they w Continue reading >>

Now There's A Health Plan That Zeros In On Diabetes Care

Now There's A Health Plan That Zeros In On Diabetes Care

Talk about targeted. Consumers scrolling through the health plan options on the insurance marketplaces in a few states this fall may come upon plans whose name — Leap Diabetes Plans — leaves no doubt about who should apply. Offered by Aetna in four regions, the gold-level plans are tailored for the needs of people with diabetes. They feature $10 copays for the specialists diabetes patients need such as endocrinologists, ophthalmologists and podiatrists, and offer free blood sugar test strips, glucose monitors and other diabetic supplies. A care management program with online tools and coaching helps people manage their condition day-to-day. The plans also offer financial incentives, including a $50 gift card for getting an A1C blood test twice a year to measure blood sugar and a $25 card for hooking up a glucometer or biometric tracker to the Aetna site. "It was a good time to design a product that was a little more personalized, as opposed to generic," says Jeff Brown, vice president of consumer product, network and distribution at Aetna. "We saw diabetes as a compelling need, and a growing need." Aetna is debuting the diabetes plans, effective next year, in four markets: Charlotte, N.C., Phoenix, Ariz., Northern Virginia and southeastern Pennsylvania. The coverage is part of a new Aetna line called leap plans, aimed at helping the insurer build its retail business. The company says the plans are simpler to use than traditional plans and will have more personal customer service. It's unclear whether the diabetes plans are a good buy for people with diabetes. The cut rates for specialist visits only apply if they're related to diabetes care, not for other conditions someone may have. Meanwhile, coverage for medications, which may cost consumers hundreds of dollars e Continue reading >>

The Health Insurance Marketplace & People With Diabetes

The Health Insurance Marketplace & People With Diabetes

The Health Insurance Marketplace & People with Diabetes The Health Insurance Marketplaces are open for business! Despite federal efforts this year to change the Affordable Care Act, you can still buy health insurance through your state Health Insurance Marketplace and financial help to lower monthly premiums and out of pocket costs is still available. But you must act soon: Open Enrollment begins November 1, 2017 and ends December 15, 2017. (Some states may allow more time to enroll after December 15- check with your state Health Insurance Marketplace). Individuals and families can buy health insurance through a Health Insurance Marketplace (Marketplace) available in every state. Starting in 2014, all new health insurance plans, whether sold inside or outside the Marketplace, cannot deny coverage, charge more, or refuse to cover treatments because you or someone in your family has diabetes. People who meet certain income requirements may also qualify for help paying their premiums and other costs for plans purchased in the Marketplace. A Health Insurance Marketplace is a way for individuals, families, and small businesses to shop for and compare various private health insurance options all in one place. Plans offered in the Marketplace must meet certain requirements for benefits, consumer protections, and cost to the consumer. Marketplace plans are separated into four different categories: Bronze, Silver, Gold, and Platinum. These categories are based on an average of how much the plan pays for covered benefits. In general, moving from Bronze to Platinum, out of pocket costs get lower while premiums tend to get higher. Who Can Buy Health Coverage in a Marketplace? Generally, anyone who buys health insurance on their own can buy it through a Marketplace. However, only t Continue reading >>

A Diabetes Supplemental Health Policy Covers The Gaps | Trusted Choice

A Diabetes Supplemental Health Policy Covers The Gaps | Trusted Choice

Get Insurance for Diabetics That Meets Your Needs Diabetes is one of the most commonly occurring diseases in the United States. While treatable, this disease makes it costly to maintain a normal life. Finding the proper health insurance is vital to someone with diabetes, but it can be difficult to get all of your needs met in your primary care plan. It is estimated that healthcare costs for diabetics are over twice the cost of someone without diabetes, due to the costs of daily maintenance, medications and regular doctors visits. If you have diabetes, you may need a supplemental plan to help manage your care. A local independent agent in the Trusted Choice network who specializes in health insurance can be an excellent resource for you. These agents have partnerships with multiple insurance companies and can often find specialty policies and supplemental plans that can help bridge healthcare gaps. Contact a local member agent today to inquire about supplemental insurance for diabetics that matches your needs. Close to 26 million people in the U.S. have diabetes There are 3 different types of diabetes: Type 1, Type 2, and gestational diabetes The cost of diabetes is over $170 billion per year By 2025, the number of people diagnosed with diabetes is expected to double Supplemental Health Insurance for People with Diabetes People searching for additional diabetic insurance coverage do have options, but you may need to do a bit of research to find them. Depending on where you live and work, some of your supplemental healthcare options may include: Employer coverage: If you receive health insurance from your employer, this may be your best choice for receiving diabetes insurance, at least until the Affordable Care Act is fully in effect. Group plans cannot deny coverage bas Continue reading >>

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