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Health Insurance for Diabetes

For a diabetic obtaining Health Insurance is a matter of utmost importance and a great difficulty. Managing the disease is costly because it involves expenses connected with supplies and medications such as syringes, disposable needles, test strips, glucose meters, insulin and insulin pumps. Ideally all these supplies and medications should be covered by a Health Insurance plan. But since diabetes is a pre-existing condition fraught with health care expenses, it is often excluded from coverage. Besides, long-term risk of diabetes-related chronic complications deters insurance providers from covering diabetics as they represent potential financial losses.

However, nowadays most states offer diabetes sufferers such benefits as testing supplies, medicines and equipment. Medicare Part B provides reimbursement for testing supplies and Medicare Part D covers prescription drugs including insulin and syringes. Diabetics with modest income are eligible for Medicaid. Seniors over 65 with diabetes are liable to coverage under Medicare, Medigap, Medicaid and Prescription Assistance programs.

Health insurance for diabetics varies considerably by state. That's why it makes sense to check out all the available options. One of the optimal ways to get coverage is through the employer. Group health insurance programs are cheaper and often do not require any evidence of your medical condition.