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| Diabetes : Medical Insurance for Diabetics |
By:
Ray Lam |
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by Ray Lam
While health insurance is important for everyone, it is extremely important to have medical insurance for diabetics. With regular visits to the doctor, lab tests, blood testing strips and medications, diabetics have constant costs related to their disease. These measures are important to keep the disease under control. Besides keeping the disease under control, diabetics are at risk for complications arising.
The potential costs incurred by a diabetic are enormous. They include the cost of actual diabetes control such as insulin, test kits and injection kits, treatment of diabetes related complications such as neuropath, equipment for diabetics such as special diabetic shoes and socks, and personal care items such as specialized skin lotions.
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.
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.
About the Author:
Learn about american diabete association and get information on Medical Insurance for Diabetics by visiting http://diabates-diabetic.info, a popular website that provides free diabetes information, tips and advi |
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