A Low Cost Option for Diabetes - Health Insurance

A typical diabetes patient requires daily access to supplies such as test strips, meters, and insulin. The patient also requires regular medical check ups. Paying out the cost of prescription drugs, doctor's visit, and the price of accessories is extremely difficult for millions of diabetic patients who do not have access to adequate insurance. According to a recent Gallup Poll* 26% of diabetics live below the poverty level and 9% are uninsured.

According to a recent U.S. Center for Disease Control report* there are now 27 million Americans living with diabetes. That is an 8% increase from 2008. Pre diabetes is a whole other matter, the estimate is that 78 million additional Americans are afflicted with "pre diabetes."

There are three primary causes for this.

1. Increases in obesity

2. Diabetics are living longer.

3. Lowering of the guidelines for diagnosis of diabetes (as per ADA).

It all starts with the children: 5% overweight in 1983 compared to 22% in 2011 and leads to the general population:

78 million Americans are overweight, 50 million are defined as obese while 4 million are considered morbidly obese.

Advice for losing weight:
1. Realize the difference in lifestyles as per food intake and physical activity between you and earlier generations.

2. Exercise (i.e. physical exertion) is helpful. In this generation, many (25% according to the CDC) have completely sedentary lifestyles with the advent of modern transportation, appliances and entertainment systems. Being completely sedentary should cease immediately.

3. Food intake has increased dramatically (15% for the average American according to the CDC compared to 2001) and continues to increase.

4. A decrease in food intake and a increase in physical activity will decrease the size of your body on a permanent basis.

Diabetics are living longer, as confirmed by new research:

Researchers at the University of San Diego examined 2,300 San Diego County residents who were first diagnosed with a Type 1 diabetic condition between 1969 and 1974. As of December, 2010 approximately 26% of the study research group had died. This death rate is 8 times the rate of the general California population.

More recently, a similar group of 2,300 were studied from 1980 to 1985 and the death rate was only 5.1 times the general California population.

Other notable findings: Survival rates for White Americans is 55% greater than for African Americans. Death rates for diabetic women were 12 times greater than those women not diagnosed with diabetes. While men were more fortunate with only 4.5 greater than the general California population.

"The evidence is clear that there have been tremendous advances in treating the condition of diabetes patients. Life spans have increased," said Dr. Roger Simon, lead researcher at the University of San Diego Health Research Department, in a press conference.

Press Release

January 5, 2011

In December 2011 at the American Diabetes Health Conference in Miami, Florida the definition of obtaining diabetic status became easier to obtain. This updated definition of diabetes caused an additional 10 million Americans to be diagnosed with pre diabetes, another 3 million to be termed as Type 2 diabetic, and another 1 million to be termed at Type 1 diabetic. Despite the easing of the definition of diabetic there is a continuing and steady increase in the numbers of Americans suffering from diabetes. It is our firm belief that early diagnosis and treatment of diabetes is most effective recourse for those suffering from this condition.

American Diabetes Health Advisory
January 5, 2011

You will be accepted:

The National Institute for the Betterment of Diabetes Patients has partnered with various A.M. Best rated insurers. Certain parts of the policy have pre-existing waiting periods while others do not. Consult your licensed health insurance agent.

An account of a diabetic patient struggling to cope with diabetes:

A good portion of my income is spent towards the aforementioned diabetic expenses and my savings are getting hammered. I do not have a diabetes health insurance to help me with these expenses.

Financial support provided by diabetes insurance, would give me the ability to cover my medical expenses. Diabetes health insurance would have provided for large discounts towards cost of prescription drugs and doctor visits. Unfortunately, I am naked in these terms.

I wonder how you are able to serve diabetics the way we do? You claim to have a state of the art health insurance for diabetics program that provides diabetics needed services. Services that includes prescription drugs, physician visits, diabetic supplies, etc. No wait time, no hassle, no charge. 

Insurance policy reimbursement are given to diabetics for items such as test strips, meters, insulin, or prescription drugs. Just how are these reimbursements handled? Are claim forms required?

Sincerely,

A Struggling Diabetic Patient

Diabetes health insurance has become even more important in this changed scenario. Appreciating these aspects, the American Diabetes Association has come out with a report on the need of accessible, affordable, and adequate diabetes insurance for diabetics. Sadly enough, diabetes today occurs even in younger people. It is no more a disease for seniors.

Familiarity by most people with the benefits of traditional programs has led to people not exercising due care and caution. Diabetics should beware of plans that are not considered pure health plans. There are strict state regulations regarding diabetes health insurance that diabetics should be aware of.

Easy, simple, and understandable policies are offered by by various companies in the market place. Diabetes health plans are full fledged insurance. People from all 50 states are welcome to avail our diabetes insurance plans.

Specialists offer quality and comprehensive Guaranteed diabetes insurance for individuals, families, small business groups, employees, and self-employed persons at affordable rates.

Re-pricing offers big savings to diabetics

We give top priority to clients' needs. Whenether you suffer, or have suffered from cancer, obesity, diabetes, or any other preexisting condition, here are insurances that offer an affordable improvement to traditional health plans. The diabetes health insurance option should be considered by those who incur expenses as a result of diabetes.

Health insurance for people with diabetes - health insurance for diabetics