Diabetes : Medical Insurance for Diabetics
Ray Lam
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.
In some countries, these costs are covered by a national health plan, but in countries like America it is necessary to have specific medical insurance for diabetics. The American Diabetes Association estimates that diabetics spend an average of $13,243 each year on health care, so it is essential that they have health insurance for diabetics to cover these costs.
There are also limited benefit plans available to diabetics younger than 65 years of age. Shop around to find the best plan you can, as these mini plans vary greatly. Another option for medical insurance for diabetics might be to purchase critical illness insurance. Ask the insurance salesmen in your area for advice as most will work with at least a few carriers who have some plans available that will cover diabetics.
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.
If you find after an extensive search that you cannot find any medical insurance for diabetics, contact your congressman. They may be able to help by pulling a few strings or making the issue an embarrassment to the insurance companies, in which case, it could benefit many diabetics besides you.
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