Diabetes At Work: The Patient’s Rights and Benefits
A person cannot be denied health care coverage and benefits because they have diabetes prior to employment.
In the U.S., most people who are employed have health insurance coverage provided by their employer directly from their own job or through family members such as a spouse or parent. However, not all employers offer health insurance to their employees. Small companies are not required to provide insurance to their employees but medium size and large companies that have 50 or more full-time employees must provide their employees with affordable health care coverage, failure of which will attract heavy fines. Health insurance plans offered by the employer involve both employer and employee premium contributions with the employee’s contribution being paid on a pre-tax basis.
Understanding insurance is challenging but also very crucial especially for people living with diabetes. Companies offer different options of healthcare coverage plans and are required to provide a summary of benefits and coverage (SBC). This summary lists information on coverage and costs such as deductibles, out-of-pocket limits, co-pays, and co-insurance. Health insurance providers are required to give their employees an SBC during their first enrollment and at the beginning of each plan year, but employees can request an SBC from their provider at any time from which they have seven days to provide it.
Although an SBC is useful, it does not show if specific products are covered. However, one can always call the health insurance helpline to determine which medications and devices are covered by s Continue reading