Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Patient manages type 2 diabetes with health insurance

If you have type 2 diabetes you may be able to obtain health insurance through a high- risk pool, group insurance or private insurance. Diabetes is the seventh top cause of death in the US today.

So, if you have been diagnosed with type 2 diabetes then you may find it very difficult to get the health insurance that you need.

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Insurance companies consider risk before all else when considering providing health insurance for individuals. Since a type 2 diabetic is in need of constant supplies like testing strips, monitors and insulin they are considered a higher risk.

Not only are diabetic supplies expensive, people with diabetes are more likely to suffer from heart disease, stroke and other health issues. This is part of what contributes to the high mortality rate of diabetics. All hope isn’t lost, however, read on to find out if there are any situations in where you can qualify for health insurance.

High-Risk Health Insurance Pools

There are 33 states that have what is called high-risk health insurance pools. This insurance is actually sold by a state insurance entity, not an insurance agency. High-risk health insurance offers pretty much the same type of coverage that you would expect from any sort of health insurance policy.

The biggest difference, you will find, is that a high risk health insurance policy is much more expensive than a health insurance policy that you could purchase from a private company if you were healthy.

While high risk health insurance can be expensive if you have type 2 diabetes it is often more affordable to pay for the health insurance than it is for you to pay for the medications, test strips and so on.

What’s more, even if your monthly costs aren’t that high, if you have any complications, you may not be able to afford the care that you need. The American Diabetes Association offers up to date information and advice for diabetics on health care options.

Before you apply for either high risk coverage, you should apply for traditional insurance; don’t assume you will be turned down.

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Traditional Insurance Options

There is always the possibility that you can purchase traditional health insurance if you agree to a policy that doesn’t cover your pre-existing condition for a specified period of time. This period of time is usually a year to a year and a half but some companies may have a less stringent time frame.

You can also expect to pay much more for your health insurance than a healthy person will (although it will be still be less than a high-risk health insurance policy). In addition, the insurance company may refuse to cover any conditions that may be related to the diabetes. This could actually amount to numerous conditions so it is important to know what might be excluded in advance.

Group insurance from your place of work is an excellent option for people with type 2 diabetes. While this option isn’t available to everyone, if you do have this option, take advantage of it. To get group health insurance rates, you don’t have to answer any awkward medical questions and you don’t have to submit to a medical exam to get the coverage that you want.

Most businesses cover a portion of the costs, which makes it a very affordable option for their employees. The reason that group health insurance is more costly is because anyone will qualify, regardless of the condition of their health. Clearly, those with health issues tend to benefit the most from these plans.

Buying Your Health Insurance

Quite possibly the most important part of buying health insurance is getting the lowest rate. You can do that easily by using our free health insurance quotes tool. By answering a few simple questions, you can get quotes instantly from multiple companies.

It is important to note that getting a health insurance quote without a physical is meant to only give you an idea of what you might pay for your health insurance. If you were accurate in your questionnaire then you should get an accurate quote, but there is not telling what a physical might bring about. Using a free quote tool will offer you a look at the companies that will give you the best price on your health insurance based on the information you have provided. It is easy to use and you will get your results fast.

Enter your zip code to receive health insurance quotes now!