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Diabetes : Medical Insurance for Diabetics |
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Written by Ray Lam
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Wednesday, 21 May 2008 |
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Once you are diagnosed with diabetes you may find it hard to take out insurance policies which may be affected by your condition. There are agencies that specialize in insurance for diabetics, including medical or health insurance for diabetics, special travel insurance for diabetics and dedicated life insurance for diabetics.
by RayLam
Once you are diagnosed with diabetes you may find it hard to take out insurance policies which may be affected by your condition. There are agencies that specialize in insurance for diabetics, including medical or health insurance for diabetics, special travel insurance for diabetics and dedicated life insurance for diabetics.
Unfortunately for diabetics and others with chronic conditions, in most states, insurance companies can screen applicants and turn down those with pre-existing conditions. This happens frequently with diabetics. An alternative way to get medical insurance for diabetics is to get on a group insurance plan through work if one is available. These group plans must accept people with pre-existing conditions. If there is no group plan available at work, all is not lost, however. Some professions can buy into group plans. If you work in real estate, information technology or construction, you have an opportunity to buy into a group plan through those industries.
Be sure you are up front about any health problems you have as it does not help you to be accepted for coverage only to have it canceled because you lied or omitted something in your health history. Even if you are accepted, there will probably be a waiting period since diabetes is a pre-existing condition. While this seems to be very unfair, it is alas, common practice.
If all else fails, there may be state programs that you can use to get medical coverage. The government needs to know the insurance industry is failing to provide for a large portion of the population. 7% of the population are afflicted with diabetes. In fact, the American Diabetes Association did a study of 850 people spread across all 50 states. They discovered that these people had difficulty getting and keeping affordable health insurance because of their diabetes. They discovered that insurance companies consider diabetics "uninsurable," when in reality, they just don't want to incur the cost of paying for the needs of diabetics.
Medical insurance for diabetics is difficult to get, and may be difficult to maintain. But don't give up hope. You may get some relief on costs by using a free or low-cost clinic in the meantime. A lot of doctors who work at clinics like this are very caring, and are doing it because they truly want to help people.
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