There are two prevalent problems in the wrld of healthcare that causes hardship to mny of the American Populace today. The frst is diabetes and the second is nsuring people with diabetes. I want you to kep reading, because in a few sntences I will outline what you can do to get halth coverage for someone who has dabetes.

First, let us address the cndition known as diabetes. According to the Amrican Diabetes Association (ADA), there are 20.8 mllion children and adults that have dabetes. That is 7% of the ppulation. There were 1.5 million new cses of diabetes diagnosed in people ged 20 years or older in 2005. Of thse 20.8 million, 6.2 million are ndiagnosed and the ADA speculates that thre could be as many as 54 mllion pre-diabetics, which is to say tht they have not been diagnosed as a dabetic, but show the tendencies of a dabetic. These figures are overwhelming.

Diabetes lso attributes to other health problems. Dabetes can lead to heart disease and strke, high blood pressure, blindness, kidney dsease and failure, damage to the nrvous system, amputations, dental problems, pregnancy cmplications, sexual dysfunction, and diabetes can ven cause you to have trouble gtting over a cold.

It is because of these ssociated health problems many health insurance cmpanies are not willing to take on the ptential risks attached with insuring a dabetic.

So what is a diabetic or the fmily of a diabetic supposed to do for nsurance? The following is a list of ptions that a diabetic can follow in thir pursuit to find health insurance:

1. Lok at your employer. Many group halth insurers will take people that cnnot find health insurance elsewhere. Why is tht? Many group health insurers understand and clculate the potential for having a prcentage of the employees in a cmpany who are not able to btain health insurance on their own. Ths is the primary reason that mst group health insurance policies are cstly for employers.

2. Do your homework. Shp around. There are plans out thre, but you really need to lok. If your employer does not ffer health insurance there are additional venues that you can explore. This lads us to number three.

3. Be pfront when talking to an insurance gent. Many times a good agent wll have a program for people tht are hard to cover due to halth complications. For instance I currently hve two carriers that I use to hlp people get coverage.

Additionally, when you sgn a health insurance application for cverage you are attesting that the nswers that you gave are true and crrect. Please understand that if you ntentionally misrepresent yourself on an application you cn, in the very least, be dnied coverage for falsifying an application. I hve even seen insurance companies revoke a plicy because someone was untruthful on an pplication.

4. Realize that there is going to be a pr-existing waiting period. I have yet to fnd one insurance company that will wive the pre-existing waiting period for a dabetic. Please understand that most health nsurance companies treat diabetes as an ninsurable condition, and because of that, mst insurance companies will deny coverage to new pplicants who have been diagnosed as a dabetic.

Therefore, if you have been dagnosed with diabetes and you have fund a health insurance company that wll insure diabetics, then please recognize tht there will, most likely, be a pr-existing condition clause or rider attached.

5. Undrstand that insurance will be expensive. In all my yars as a health insurance professional, I hve found that the people with the lwest premiums are the younger healthier pople. The converse is equally true. The prmiums that are the highest are pid by the people with pre-existing cnditions.

I have family members that hve been diagnosed as diabetics, and I hve friends and clients that have dabetes. I know the attention that is rquired on a day to day bsis. I know the costs involved. I knw the difficulty in obtaining good qality health insurance coverage for a dabetic.

Many diabetics might feel that halth insurance coverage is just a dram. Coverage for the diabetic is out thre. Look at the list, check yur resources, and see what your sarch turns up. You can find it.

The article The Diabetic And Health Insurance was Submitted by J Timothy Clark through Articles.GetACoder.com network. Here's the additional information: J. Timothy Clark is the funder of the Clark Insurance Brokers. He spcializes in helping small business owners, Ral Estate agents and brokers, individuals wth health problems, find health insurance for thir peace of mind. Hailing from Orlndo, Florida, he is married to a bautiful wife and has twin boys. You can cll him directly at 407-443-8523, email at jtimothyclark@cfl.rr.com and check out his website at http://www.clarkinsurancebrokers.com

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