Diabetes and Health Insurance
Diabetes is a chronic disease that may begin when one is young, or develop in adulthood. Type 1 diabetes, which used to be known as juvenile diabetes, is usually identified when the patient is of juvenile age and is not related to lifestyle. Type 2 diabetes can develop at any time and can be related to lifestyle, although the factors leading up to it may run in families and put certain people at higher risk of developing the disease.Image by cogdocblog
As a chronic disease, Type 1 diabetes cannot be cured, but it can be managed. Type 2 diabetes can often be cured when measures are taken to improve lifestyle, although it can be a lifelong battle. In either case, medical visits and care are a big part of a diabetic’s life and can become a large expense.
Diabetes and the Medicare System
The Medicare system covers chronic disease management, but as with other medical conditions and needs, there is a limit to what cover you can receive. Additionally, should you require a hospital stay, you are limited to public hospitals. Medicare absorbs an enormous amount of expense due to diabetes.
Diabetes and Private Health Insurance
Understandably, many diabetics choose to purchase private health insurance to cover their needs. Private health insurance can ease the burden of care, as it allows many more options and much greater flexibility for patients.
You will usually create a plan with a doctor and manage the plan over a long period of time, so having a relationship with a chosen doctor is typically preferred. Private health insurance provides the ability to get the care you want in the way you want it. Out of pocket expenses without health insurance may occur but Medicare may not cover all the options you desire. Private health insurance may make this more affordable.
Aside from regular doctor’s care, you may need the services of:
- a dietician, to help create a healthy diet that will work
- an endocrinologist, to check and regulate hormones
- a podiatrist, to monitor blood supply to the feet, since morbidity is a known outcome of untreated diabetes
- other specialists to offer continued maintenance in case any problems arise
Private health funds typically make you wait a certain amount of time after you’ve joined before you are eligible to receive services, if you have a pre existing health condition. The waiting period is usually twelve months.
Compare Private Health Insurance
If you have made the decision to buy private health insurance, a private health fund comparison will enable you to see the benefits of different options and make a wise choice. They usually have informative web sites and are more than happy to send you materials to read. Consider what services they have for your needs, and don’t hesitate to speak to them about how they can help you.
Disclaimer: The above information is correct and current at the time of publication.
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