Guaranteed Issue Health Insurance for Diabetics

Health Insurance for Diabetics

Unless you have group health insurance from an employer or live in one of the few states that have guaranteed health insurance, obtaining a full major medical plan as a diabetic will probably not be possible. Although, some companies will write a policy if your blood sugar is very well controlled with oral medication, and there are no other medical issues.

We focus on a type of plan called a Limited Benefit Plan. It is sometimes referred to as a mini-medical or indemnity plan. These plans have no medical underwriting and can be combined with other supplements to give you nearly full coverage. For the overwhelming majority of the population, you will never need anything more.

Limited Benefit PPO Health Insurance For Diabetics

Our plans are best described as limited benefit or defined benefit plans. Some companies like to use the term "mini-medical". But, it essentially all means the same thing.

A major medical plan typically has a deductible and then you are responsible for something called coinsurance. When you add the deductible and coinsurance together, they represent the maximum amount you pay in a year for your medical expenses. After that, everything is covered 100% (within the limitations of the plan).

A limited benefit plan lists specific amounts that it will pay for various medical expense categories.

For example, a plan might pay up to $100 a visit (to you or the physician) for a certain number of visits per year. If you were hospitalized, a plan would typically pay between $1,000 and $2,000 a day.

Our plans have a long list of items they pay for including surgery, emergency rooms, testing, etc.

The question that everyone asks is: "Do these plans pay out enough?"

The Limits of the Limited Benefit Health Insurance Plans

This entire web site is based on the idea that you cannot obtain a full major medical plan. Clearly, if you can obtain major medical insurance and can afford it - take it. There are no true substitutes.

The plans we offer have varying levels of coverage. We have a plan that merges two limited plans together and will give a major medical plan a real run for its money. I am going to send you to another web site that will give you lots of details in a moment or two. But, let me try to impart a few facts first:

1. If you are an insulin diabetic, chances are that one of our plans will be the best coverage you can obtain without a group health insurance plan.

2. If you are a diabetic on oral medication and have other medical issues or you are overweight, once again, we are your best option.

3. You can have more than one plan. There is no reason why you could not have an additional plan that paid you additional amounts for a hospital stay.

By the way, we also have guaranteed issue disability insurance.

For more complete information on our guaranteed issue health insurance plans, please go to our dedicated web site. This web site is set up specifically for guaranteed issue health insurance. Just click on the following link:

Guaranteed Issue Health Insurance Plans for Diabetics

Or, Call Us at 800-272-0512
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