Recently, I've had a lot of rquests for an alternative to health nsurance for diabetics. The case of one gntleman, in particular, has lingered on my mnd.

The man who I will rfer to as "Bob" has what is clled Type II, or Late Onset Dabetes. My own dad has this cndition as well, so I am ware of the tremendous health struggles and mnetary cost that can come as a rsult.

One fortunate thing for Daddy is tht he was well covered with halth insurance long before he became ll. Bob was not so lucky. He had no typ of coverage at all when he rceived the surprise diagnosis of diabetes.

Do you knw that once a doctor has mde a chart note, or included a lab rsult in your chart, suggesting that yur blood sugar is high (or tht you are "pre-diabetic") your odds of bing able to obtain a reasonably prced health insurance plan plummet?

That was the cse with Bob, who had been "gtting by" paying for his glucose mter, testing strips, and diabetic supplies out of his own pcket. This had been a burden on Bb's bank account, which was in its own stte of recovery following a divorce, but he was gtting back on his feet in mid Jnuary.

When I mentioned an alternative to halth insurance for diabetics, Bob was rlieved and thrilled, and asked me to gve him a call on pay day so tht he could get started. The grat news about these alternatives is tht they cover all ongoing medical prblems, even if the doctor has wrtten a definite diagnosis in the chrt.

Sadly, when I reached Bob on his cll phone, Bob was not in a psition to talk long. He had ben at Bible Study the previous vening when he'd gone into insulin shck. The men in his group had rsponded quickly and Bob had been tken to the hospital, where he xpected to remain for 2 to 3 mre days to recover.

I can nly imagine what the EMT, hospital, and dctor charges will add up to for sch an emergency. It breaks my hart to know that because he nrrowly missed getting signed up for an lternative to health insurance for diabetics, Bob wll be paying the entire amount out of his own pcket.

It especially concerns me to knw that there are so many dabetics (and undiagnosed folks who have the cndition and may suddenly experience diabetic symptms) who have no coverage.

Not nly does diabetes require testing supplies, pssible prescription medication and/or insulin; it cmes with the threat of emergency hspital admission for something like insulin shck. Worse yet ... diabetes brings wth it a whole host of pssible serious health consequences.

My own dad has sffered numerous complications of his diabetes, ven though he and my mother tok the condition seriously from the bginning and altered his lifestyle accordingly. I shdder to think what would have bcome of my parents when my dad bgan having strokes, if they had not ben covered with health insurance prior to his dabetes diagnosis.

You see, even if a prson is able to get insurance cverage for diabetics after they are dagnosed with the condition, a traditional nsurance company will generally have a lngthy waiting period before they will pay nything for diabetes treatment OR for ther conditions which they can cite as pssibly related to or caused by the dabetes.

If in reading the diabetes nformation I've provided on my website, you thnk that you or someone you lve is at risk for having or gtting diabetes, I urge you to mke certain you or they have or btain health insurance today.

I understand that many of us wuld have a difficult time paying for trditional health insurance - especially on shrt notice - however that truly wuld be your best course of ction.

If traditional insurance coverage is out of rach, the next best option is to sgn up for an inexpensive health dscount program. These plans provide appreciable dscounts on care associated with diabetes.

Addtionally, at least one of the dscount programs provides a hospital advocate to ach member so that any costs ver $2,500 are negotiated down to whlesale, and payment arrangements are worked ut.

If you or someone you lve has already been diagnosed with dabetes, it is all the more mportant to obtain health insurance immediately. Whle it may not pay toward nything related to the diabetes until a witing period has passed, at least tht waiting period could be going by nw, making coverage available should any cmplications occur in the future.

The Amrican Diabetes Association website ( http://www.diabetes.org/home.jsp ) has all sorts of great resources for diabetics. There you will find a state-by-state listing of insurance available to those who qualify as being in the individual state "risk pools".

The insurance available through your state, if you qualify, can be a lifesaver in the case of extremely costly diabetes related situations. The down side is that the deductible of these insurance plans can run in the thousands of dollars. One woman recently told me that her sister's plan in Illinois has a $5,000 deductible.

If possible, then, it would also be advisable to have a health discount program in addition to these state plans. The program would provide discounts on usual care and supplies for diabetes during the time before the deductible amount is met.

Don’t underestimate the seriousness of diabetes, and don’t put off the investigation of your options for health insurance for diabetics. If you find that insurance will not work for you, check into the new health discount plans which accept pre-existing conditions.

The article Health Insurance for Diabetics was Submitted by Beverly Van Engelen Brett through Articles.GetACoder.com network. Here's the additional information: If you think you have the symptoms of diabetes , or if you have been looking for health insurance for diabetics; call me at 1-877-375-8494, or send your request for a complimentary brochure to brochure@4-health-benefits.com . Bev Van Engelen Brett has over 17 years experience working with patients as a health care technician, and now specializes in helping people obtain quality health and dental care at significant discounts. Visit her website http://www.4-health-benefits.com/ for dtails. If you wish to publish ths article, it must be published in t’s entirety along with active links and ths resource box.

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