Individuals suffering from a health condition known as diabetes are facing a lot of challenges. For one, they need to pay for expensive medal costs due to their health condition. Secondly, most of them are considered ineligible to apply for low-cost health insurance plans. On top of all these, diabetic patients are less likely to get a full-time job and won’t be qualified for group insurance benefits. For these reasons, it is not surprising that many patients with this condition face financial challenges.
Understanding Diabetes And Its Health Risks
Diabetes is a health condition wherein the blood sugar level is either too high or too low. You have to understand that too much blood sugar is dangerous for your health. This medical condition can be classified into three types:
- Type 1: This condition is more common in children and adolescents. The effects Type 1 diabetes may last for most of their lives and they might end up needing insulin shots.
- Type 2: This is the most common type of diabetes. It can occur at any age and can be controlled through medications and a good diet.
- Gestational Diabetes: This is very common in pregnant women and it usually disappears after childbirth.
When an individual is diagnosed with diabetes, he might suffer from other health complications, especially if he doesn’t do anything to control or alleviate his condition. Most individuals are unable to get the necessary treatment options because they are uninsured and they don’t have the financial capacity to pay for medications. This puts them at risk in the event of illness. Diabetes can lead to high-risk medical conditions, including:
- Heart Disease
- Kidney Failure
Health Insurance For Diabetics
Health insurance is crucial since it helps diabetics control their condition through doctor consultation, insulin, and other forms of medications. Additionally, since this medical condition is usually a lifelong illness, constant medical care is critical. Health insurance is the best way to avail of the necessary treatments. Unfortunately, getting health insurance for diabetics is often easier said than done. If you are diagnosed with diabetes, you probably know how costly this medical condition is. For this reason, many insurance providers are hesitant to accept diabetics since their medical costs can amount to thousands.
Thankfully, there are ways to get reliable medical care. You should look into a few things when choosing a health insurance policy to cover your medical needs. Here are a few things worth taking note of.
- Consider getting a group plan: You can consider enrolling in a group plan. Unlike individual insurance policies, group plans cannot deny applicants because of their existing medical conditions. If you are blessed with a job that offers medical benefits, sign up for your employer’s health insurance plan. If you do not have a job, but your spouse gets insurance through his employer, get covered under his plan.
- Determine if individual health insurance is good for you: You can consider applying for an individual health insurance plan within two months of losing your prior coverage. There are certain states in the country, such as Texas and Missouri, that guarantee coverage to those who apply for insurance within 63 days of losing their prior coverage, regardless of their pre-existing conditions. To qualify for this policy, you must previously have a comprehensive plan which has lasted for two years and a half.
- Consider non-comprehensive plans: One of the non-comprehensive plan options for diabetics is the major medical plan. This policy does not cover basic services, such as doctor consultation and prescriptions; however, they do cover major medical problems that can lead to bankruptcy, such as major injuries or pre-existing conditions.
- Seek help from the government: This should be your last option. You can talk to a social worker to find out whether you qualify for programs, such as Medicaid. Additionally, there are public clinics that offer free testing, glucose monitoring programs, and other basic services for diabetics.
Choosing a health care plan is very challenging, especially if you have a pre-existing condition, such as diabetes. For additional tips, you can consider the following:
- Look for policies that cover all potential treatment needs for your medical condition.
- Determine whether the policy covers the treatments associated with diabetes.
- Look for a policy that can cover a good amount for your pharmaceutical needs and medications, such as insulin shots.