Can Diabetes affect your health insurance benefits?

Read, check and ask about diabetes coverage when you enroll in a health insurance program!

More than 6% of all Americans have diabetes!
Almost one in three people with diabetes do not know about their condition!
The National Diabetes Information Clearing House has more of this worrying kind of statistics-visit the link provided on this page, to read more about this serious and expensive disease.
Diabetes often needs daily medication, with regular diagnostic tests and visits to the doctor. Expensive complications are likely if diagnosis of the condition has been delayed.
Health Insurance benefit providers will almost certainly expect you to pay an average of 20% of the cost of all diabetes care. You could find some essential aspects of management excluded altogether. Benefits may not apply at all for at least a few months after you have enrolled in a new policy.
Some minorities are genetically pre-disposed to diabetes and are more likely to suffer from it at some point in their lives. Some women may experience reversible episodes of diabetes during pregnancy, while the disease also attacks the elderly with impunity.
Some HMOs (Health Maintenance Organizations) may severely restrict the doctors and hospitals available for your treatment and care. PPOs (Preferrred Provider Organizations) and POS (Point-Of-Service) Plans may result in steep premia or a high rate of deductibles from bills. Diabetes is a chronic condition without a care as yet, and your decision on the health insurance product you choose for your protection and for those dependant on you, has relatively serious and irreversible consequences.

* Read the brochure on each health insurance product with care and in detail.
* Make a list of the services that are covered and the amounts that you must pay for yourself.
* Review the list of conditions that are not covered and weigh the annual and long term costs of their inclusion.
* Consult an authorized Agent and seek expert counsel.
* Compare products from various providers or options that your employer provides and make a considered choice in your best interests.

Post any questions here that you would like answered for free or share your own experience on reimbursement and coverage for all forms of diabetes.