Health Insurance Articles
How To Find Health Insurance Coverage For Diabetics
2010-08-25
Diabetics who need to find health insurance coverage have traditionally found it difficult to find insurance companies that would provide them with affordable coverage. Most insurance companies regarded Diabetes as a pre-existing condition, which meant that they refused to accept the individual in their insurance plan. In some cases, the individual could become part of the insurance plan, but not until a specific waiting period had elapsed. Most waiting periods were between 60 and 90 days. Recent changes in the national health care laws have made health insurance coverage more accessible to diabetics and other individuals who have been diagnosed with pre-existing conditions.
Coverage Through an Employer
Diabetics can now confidently look for health insurance coverage through the same methods that anyone else would seek coverage. Most people begin their search for health insurance by looking at the coverage offered by their employer. Employer health insurance plans are generally less expensive than individual insurance plans because the risks and costs are spread out over a large pool of people with diverse health needs. When someone with a pre-existing condition is able to purchase insurance through a group, he or she will be able to get the health care that is needed without paying an exorbitant amount of money for an individual health insurance account. The larger the group of employees on the plan, the more affordable the insurance will be.
Searching Online Quotes
Another excellent way to research health insurance coverage for diabetics is through online quotes. Many websites offer health insurance quotes from many different health insurance companies at the same time. All you need to do is fill out a simple form that details your demographics and health history and you can receive any number of quotes that are tailored to your specific situation. Diabetics may find that their health insurance quotes are higher than those offered for healthy individuals because a diabetic has a built in potential for needing to use the health insurance from the beginning of the policy.
Dealing With a Pre-existing Condition
There are some ways to control the high costs of health insurance coverage for diabetics. If you are diabetic and have a proven history of being able to control your disease through diet and exercise, you may be able to negotiate with the health insurance company so that you can receive a discount on your insurance. The insurance company will ask for proof that you do not visit the doctor for treatment as often as someone who does not manage his or her illness well. Since the health care reform bill requires that a health insurance company accept people who suffer from diabetes, you will be able to find health insurance, though it may be more expensive.
