It is well established that diabetes has become something of an epidemic in the United States and around the world.
A diagnosis of diabetes is life changing - the metabolic disorder has no cure and only several treatment options that have varying success in managing its symptoms.
It goes without saying if you are suffering from diabetes, heath insurance is a necessity, not an option.
Controlling Your Symptoms
Keeping the symptoms of diabetes in check is time-consuming and extremely costly.
Insulin and other vital drugs and supplies need to be purchased monthly. Since most diabetes patients are 60 years of age or older, it can be very hard to find an affordable health insurance policy if you are suffering from the disease.
Many go without necessary medical treatments until the age of 64, at which point Medicare coverage kicks in.
Unfortunately, you cannot simply ignore your diabetes symptoms - and many people find themselves unable to manage it without the aid of comprehensive health insurance before they qualify for Medicare.
This is because the cost of medication and other supplies is simply too much of a financial burden.
Finding Affordable Insurance
While it is true that diabetes can be managed without health insurance, the costs is astronomical for most.
Between the insulin, testing supplies, and doctor visits, many people are pushed to the brink of bankruptcy trying to manage their condition.
This is why it is imperative to find a health insurance plan that you can afford and which covers your preexisting condition - diabetes.
When looking for a health insurance plan/provider, you will need to specifically search one out that covers your diabetes care costs. Not all plans cover preexisting conditions, and the last thing you want is to purchase a policy only to find you are lacking the medical care you need.
It is important to realize going into the process that you are going to pay more for a health insurance policy if you have a preexisting condition.
That being said, chances are you will still be saving money in the long run when you consider your out-of-pocket costs without insurance coverage.
The Best Way to Start
If you are looking for a health insurance plan that will cover your preexisting diabetes, expect to invest some time into digging.
You can look online, visit local agents, or both. Additionally, you may want to ask friends or relatives if they are aware of companies that might meet your needs.
Diabetes: Is Medicare Advantage or Original Medicare BEST?Best plan for Diabetics on Medicare | New Study
𝐀 𝐧𝐞𝐰 𝐬𝐭𝐮𝐝𝐲 discovered that a significant number of Medicare Advantage plan participants that live outside of cities are leaving those “Advantage” plans. Why? Mostly due to the lack of access and limitations on provider networks.
Medicare Advantage enrollees are more likely to be treated with metformin and
sulfonylureas and less likely to receive costly newer medications than those in traditional
Medicare.
ABSTRACT
Objectives: To compare use of diabetes medications between beneficiaries enrolled in
Medicare Advantage (MA) and traditional Medicare (TM).
Study Design: Retrospective cohort analysis of Medicare enrollment and Part D event
claims during 2015-2016.
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