Diabetes

Diabetes is a medical condition which insurance companies often put into a pre-existing condition category for new customers who come to them hoping to obtain health insurance yet are diabetic. Having a pre-existing condition such as diabetes can cause numerous problems in the area of health insurance when you try to switch plans or obtain health insurance after not having it at all. For those who may be faced with this issue, it is good to know the hurdles which may lie ahead and also the solutions that you may find will help you to obtain health insurance and have these diabetic needs tended to as well. Learn more by clicking on the following links:

• Challenges diabetics face when applying for health coverage
• Health insurance options for diabetic individuals

Problems Diabetics May Have Obtaining Health Insurance

If you are diabetic and looking to sign on with a new health insurance company you may find that there are certain issues that you will face when doing so. Diabetes is a medical condition which requires quite a bit of medical attention, examinations and tests on a frequent basis. For this reason, health insurance companies are often reluctant to take on new clients who present with this type of medical condition as they know the costs which lie ahead will be voluminous. Although some individuals with this condition who are trying to obtain health insurance may feel as if their situation is hopeless, it is good to know that there are options available for those who have a pre-existing condition of this type.

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Insurance Options for Individuals With Diabetes

Federal laws such as the Health Insurance Portability and Accountability Act (HIPAA) make it possible for individuals to have their pre-existing diabetes condition covered in certain circumstances. If you have had a prior group health insurance plan through your employer and switch jobs, the new employer's health insurance company cannot impose a waiting period on you so long as you were covered for two years or more with the prior group health insurance. For others who were not covered for this term, you may have to endure a 12-month waiting period with the new insurance company with regard to their pre-existing diabetes condition.

There are other ways for individuals with pre-existing diabetes to obtain health insurance coverage to pay for their medical needs. If you are going with an individual health insurance plan and have had a group plan or other individual plan in the past for a certain nonstop period of time, you may be able to obtain a new individual plan without experiencing a waiting period. One last option which may have to be looked into if you are still having trouble gaining a new insurance policy is a state operated high risk insurance pool. Although these tend to be pricey, they do provide a solution for those who may be able to afford the insurance yet be unable to gain it through conventional means.

Diabetics, ask for a free health insurance quote!

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