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Diabetic Health InsuranceDiabetic Health Insurance A Georgetown University study ending in February of 2005 showed that 6.3% OF Americans live with diabetes and the cost of health insurance towards diabetics was one dollar in every ten. Diabetic health insurance is critical as each person who is diabetic can be spending a couple hundred dollars a month on basic supplies like test strips, meters, and insulin. The total cost of diabetics in America was $132 billion in 2002. Quality medical insurance for diabetics is an important part of the complex system of available health insurance plans. Diabetic considerations can be an informative part of a dialogue about personal health, employee health, family health, or national health. Diabetic health insurance is important in order for a diabetic person to stay healthy but can be difficult to obtain if the diabetic person is not currently covered under a health insurance plan. The American Diabetes Association has created programs to help affected people find diabetic health insurance since most are considered "uninsurable" by private health insurance companies. Diabetics looking for health insurance usually fall into the "high-risk" category based on pre-existing health conditions prior to applying for medical insurance. COBRA, HIPAA, and Diabetic Health InsuranceAlthough COBRA and HIPAA (Health Insurance Portability and Accountability Act) apply to the entire country, diabetic health insurance and related aspects of medical insurance for diabetics will differ from state to state. It can be a challenge for people managing diabetes to find suitable health insurance plans. Diabetic coverage is available, however. Some diabetics can opt into the COBRA or HIPAA programs but statistics show that almost half of diabetics looking for health insurance are unaware of these programs. Coverage options vary for people with diabetes. Medical Insurance for Diabetics: State Risk PoolsCurrently thirty states offer a high-risk pool for people looking for health insurance that are otherwise uninsurable. Medical insurance for diabetics can sometimes be obtained by contacting the appropriate office of the given state. States that offer high-risk pools in which diabetic health insurance can be found are:
-Alabama Health Insurance Plan (AHIP) (877) 619-2447 Employers are not required to use health insurance that covers diabetes. However, as of May 2004, forty-six out of the fifty states have laws requiring that state regulated health insurance programs include treatment for diabetes. Those states not requiring some form of diabetic health insurance are:
-Alabama Get Your Diabetic Health Insurance Quotes Now By Filling Out The Quick Form At The Top Of This Page.USInsuranceOnline provides quotes for health insurance of all types so our members can compare prices and save money. |