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Once you have been diagnosed with diabetes, you’ll find that certain health insurance policies can suddenly become more costly. In some cases, it can even be impossible to obtain one. This is because many health insurance companies are allowed to use an applicant’s health status as a basis for their insurance premium. In some cases, a health 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 insurance when you have diabetes:

You should be easily able to show you can manage your condition.

Whether you have Type 1 or Type 2 diabetes, it’s important that you’re able to implement a sensible management plan for your diabetes. There is more. This is one of the factors that life insurance companies consider in order to sell you coverage & if you can show you have a well-regulated blood glucose, are now able to lead a healthy lifestyle & do not exhibit any complications caused by diabetes, you’ll not just get coverage, you’ll also get lower premium rates.

Look for a policy that considers your overall health.

Certain health insurance polices do not focus on certain health conditions that you might have at the time of application. There’re also those that consider your overall health.

No means no, but…

Health insurance companies are not all alike. If you get rejected by one, move to the next & if you find some who will sell you a policy, make certain you compare rates & benefits.

Is it possible to be rejected by a health insurance company if I’ve diabetes?

If you are employed & your employer pays for a group health insurance program, then you do not have to worry. A company-sponsored health insurance plan isn’t allowed to reject an individual by using his health status as a basis. However, most companies do require new employees to undergo a physical exam or provide health information through a questionnaire before the employees are enrolled in a health insurance plan.

If you have your own health insurance policy, it is a different matter. Your insurance company isn’t required to provide the same kind of protection for a consumer. Most health insurance available for individual enrollees have what we call “medical underwriting”, where an insurance company can decide whether or not to sell you insurance coverage.

Your application will be based closely on certain personal information such as your age, gender, medical history, health status & so on. Even if you do receive coverage, certain restrictions might apply, which will limit your benefits & determine the cost of your premium.

It will also depend on which state you live. And so… Some states, for example, do not allow medical underwriting while others provide insurance companies who will offer coverage regardless of their health status. So… Some states even restrict the sale of health insurance policies to certain residents. There is more. To find out what your state allows, go straight to your local health policy agency or check your local consumer guide to see if you’ll qualify for health insurance if you have diabetes.

What other health insurance options do I have?

Having diabetes will make it a little hard on you to look for the type of health insurance coverage that is more to your liking. However, there’re certain sources that you can tap if it seems you are going nowhere. They include Medicare, Medicaid & Medigap. If your health insurance need came as a result of your losing a job or health coverage, you can turn to TAA tax credit or COBRA. You can also check with major pharmaceutical companies who offer assistance programs to uninsured patients so they have access to diabetes medications.

What is the available health insurance for a senior over the age of sixty-five with diabetes?

If you’re eligible for Medicare & have a Medicare managed care policy or purchased a Medicare Part B coverage, you should qualify for certain diabetes supplies such as lancets, testing supplies, test strips & monitors for blood glucose & control solution to be used for calibrating meters. There is more. There’re restrictions & limitations, how ever, so make certain to check with Medicare (MediCare.org) to see how you’ll qualify for which diabetes supply or service.

If you have diabetes & are searching for health insurance coverage, you might find that it’s a little hard to do. However, it is not entirely impossible because there’re options you can use that will ensure you get sufficient or at least a little coverage to help you manage your condition effectively.

Flor Serquina is a successful Webmaster & publisher of Learn-About-Diabetes.com. She gives more information on topics such as health insurance for diabetics & disease management of diabetes & diabetes continuing education, which you can research on her website even while lounging in your living room.

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