There are many ways to deal with this condition, including dietary modification and medication, if necessary. With a little research and persistence, however, you can find insurance coverage for the best possible price. But because this type of diabetes has been linked to so many other health concerns, including heart attacks, strokes, kidney failure, and amputation, it can be difficult for diabetes sufferers to find adequate insurance for an affordable amount. Type 2 diabetes is the most common type of diabetes. Otherwise known as "adult onset diabetes," this metabolic disorder is characterized by insulin resistance and insulin deficiency, which results in high blood glucose.
It's best to be honest and up-front about every aspect of your health. It's not worth the risk. Your insurance company will eventually find out about your failure to mention this life-changing condition, and they may choose to rescind your coverage and you may even be found guilty of insurance fraud, which could result in hefty fines or even jail time. But don't give in to this temptation. It may be somewhat tempting to leave your Type 2 diabetes out of the picture, especially if you're managing it through diet and exercise instead of medication. When you first ask an insurance company for a rate quote, they'll ask you for your medical history.
There's no point in purchasing the cheapest insurance policy out there if it's not even going to cover your most basic medical needs. They're also asking so that they can get a full picture of your needs and offer you adequate coverage. They're not just asking about your health in order to minimize their risk. They have experience with other diabetics and know what kind of policy would best fit your needs. Being forthcoming about your Type 2 diabetes also helps the insurance company to offer you the most adequate coverage.
Talk to the health insurance provider to see why they rejected your application for insurance. Generally, the insurance carrier will tell you why you were denied health insurance. If it is something you can fix, such as being overweight then work on correcting the issue. However, if it due to a preexisting condition, then you will need to take other action. Ask the insurance company if they will insure you based on a contingency, such as a waiting period before they cover the medical bills for your condition
You should get at least three to five quotes on insurance before making a final decision about which policy to purchase. By getting quotes from several different companies, you can see how much coverage you could potentially get, as well as how low a premium you can get. Ultimately, it's up to you to choose the policy that you feel offers you the most for your money. Everybody's needs are different, and you have to choose the policy that's best for you. But it's wise to evaluate all of your options before making that decision.
It's best to be honest and up-front about every aspect of your health. It's not worth the risk. Your insurance company will eventually find out about your failure to mention this life-changing condition, and they may choose to rescind your coverage and you may even be found guilty of insurance fraud, which could result in hefty fines or even jail time. But don't give in to this temptation. It may be somewhat tempting to leave your Type 2 diabetes out of the picture, especially if you're managing it through diet and exercise instead of medication. When you first ask an insurance company for a rate quote, they'll ask you for your medical history.
There's no point in purchasing the cheapest insurance policy out there if it's not even going to cover your most basic medical needs. They're also asking so that they can get a full picture of your needs and offer you adequate coverage. They're not just asking about your health in order to minimize their risk. They have experience with other diabetics and know what kind of policy would best fit your needs. Being forthcoming about your Type 2 diabetes also helps the insurance company to offer you the most adequate coverage.
Talk to the health insurance provider to see why they rejected your application for insurance. Generally, the insurance carrier will tell you why you were denied health insurance. If it is something you can fix, such as being overweight then work on correcting the issue. However, if it due to a preexisting condition, then you will need to take other action. Ask the insurance company if they will insure you based on a contingency, such as a waiting period before they cover the medical bills for your condition
You should get at least three to five quotes on insurance before making a final decision about which policy to purchase. By getting quotes from several different companies, you can see how much coverage you could potentially get, as well as how low a premium you can get. Ultimately, it's up to you to choose the policy that you feel offers you the most for your money. Everybody's needs are different, and you have to choose the policy that's best for you. But it's wise to evaluate all of your options before making that decision.
About the Author:
Sean L Johnson is a journalist for Health Insurance Buyer a referral service that connects consumers to the insurance carriers that can best fit their wants or special needs. Click on link to get your free personal rate comparison from all top rated PPO carriers
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