While health insurance is important for everyone, it is especially important to someone with diabetes. Diabetes is a disease that must be carefully controlled. Plus, even with strict controls may result in complications over time.
Unfortunately, with the exception of only 5 states, health insurance is medically completed. This means that you have to answer some medical history questions and qualify for health insurance. Diabetes in mostCases, you will not be eligible for private health insurance.
There are other plans and methods for a diabetic to secure health insurance. This article gives an overview on how to obtain a health insurance with diabetes.
Group Health Insurance
If you are for an employer group health insurance is your problem about offers. Group health insurance is guaranteed issue and you can notwent for all pre-existing condition. Moreover, even if you never before health insurance or let it lapse, pre-existing conditions will be covered in full after 12 months. If you have had continuous coverage, there is no waiting period.
But what if you have a full major medical plan and have no group health insurance available?
If you work in certain industries, you can purchase a guaranteed issue major medical plan without medicalAsk.
Major Medical
Currently, those industries eligible for major medical cover:
- Real Estate - agents, brokers, mortgage brokers, surveyors, clerical and administrative staff. Who can qualify the real estate industry or mortgage industry.
- Construction - This is a pretty broad category. It covers all in every aspect of the construction industry.
- Information Technology (05/08) - another major categories of programmers, network includeEngineers and technicians, web developers and designers, repair technicians. Here, too, someone in the information technology industry, or administrative staff for an IT company.
Limited Benefit Health Insurance
A limited benefit plan is also guaranteed issue and that everyone with diabetes at the age of 65 years.
Limited benefit plans, sometimes called "mini-medical" called, are very different in terms of the benefits they offer.
We proposewhenever possible, that the plan include the following:
Pay at least $ 1000 per day for hospitalization (more is better).
Have a surgical schedule, which is limited by any caps.
Pay for a limited number of office visits and diagnostic tests.
Be HIPAA qualified (meaning that) it credible health insurance coverage, or real and not a discount plan with some additional benefits to the trash.
Use a national PPO network.
Critical IllnessCoverage
Who in age from 18 to 64 can receive a guaranteed issue of critical illness plan.
This plan will pay a lump sum of $ 25,000 in the diagnosis of certain life-threatening illness. These include cancer, heart attack, stroke, kidney failure, etc.
In addition, this plan is $ 500 for each 24-hour stay in a hospital. It is an ideal plan to increase in a limited benefit plan, coverage, or used simply as a stand-alone plan. For an individual, the cost$ 88 per month.
Where can I learn more?
We recommend you with an insurance agent who specializes in question guarantees talk plans. The best sites that we know is www.guaranteed-health-insurance.com. You can reach at 800-986-4786 EST 9 clock to 9 clock.
A word of caution
Often people who have difficulty obtaining health insurance are used. They are sold worthless discount plans or overpriced reporting,offers very little protection. Please use common sense when shopping for a map and read everything carefully.
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