Anybody that has diabetes do you think their should be a insurance plans just for diabetics?

Question

Anyone who is a diabetic should understand where i'm comeing from because being a diabetic is very expensive. I'm type 1 and been a diabetic since I was 3yrs old and it's a struggle everyday. Medications are to high. Diabetes is a very serious condition why don't they help diabetics out and you shouldn't have to be 65 and over to get any medicare or medicade or have very low income or a child, they should include people who have diseases at these department of health care services. It shouldn't have to be to a point to where your so ill that you cant do anything for your self to get SSI or any kind of medical help. Also, if they had a insurance plans "just" for diabetics it should cover any and everything.

Answer 1

If there was such a plan, you couldn't afford it. Diabetes is a terrible disease (as you well know) with serious, lifelong complications.

As it is now, the healthy people who have the same insurance you do subsidize your health care. They pay in a lot more than they receive in benefits (I pay over $8000/yr and we use our insurance not at all).

The best thing you can do is get a good insurance plan and take care of yourself. It is not the government's responsibility to take care of you. If you rely on them, you will be sadly disappointed.

Answer 2

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Answer 3

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Answer 4

I wish any insurance would cover me whether it was a group plan or a "just diabetics" plan (which I think is a great idea) all these companies want me to pay for one years worth of premiums before they will start picking up my bills the next year. Well as you know this is an expensive disease and I just can not afford to buy all my medicine and pay a company another couple thousand a year till they finally decide to start covering my meds. I would go bankrupt before I got any help. And get this. I had an insulin pump from mini med and it broke and I called them and the pump had no warranty left and I have no insurance and they hung up on me when I told them I had no insurance!! They would not even talk to me about a replacement pump or anything, said they only deal with insurance and not private pay. Well lucky for me I ran to the store and bought needles and went back to shots after 4 years on the pump. But what if I didn't have that option?? Was I supposed to sit there and die cause nobody would help me?? The medical system is all screwed up, but I am happy to be alive. I guess I don't need their help cause they don't care if I live or die, that is an obvious fact.

Answer 5

Like others have said, a private insurance plan just for diabetics wouln't work since you need a large base of people who don't use their benefits to subsidize the expenses for those who do use them. But I think there should be a system in place for (perhaps) public benefits to give people with chronic medical conditions a better safety net.

When I was first diagnosed with type 1 several years ago, I was just out of college with no job yet and NO insurance whatsoever. In that situation there was still a safety net for me -- charity for $10,000+ in hospital bills (or you might call that luck) and temporary help through public benefits until I was able to get a job with insurance benefits.

Now that I am in the workforce with a job that offers good insurance, the system sort of works, but the fact that there is no safety net and I could be in a financial crisis when or if I ever lose my insurance, is just plain wrong.

Ideally, I think the US simply needs a system of universal health care coverage. This could be done either by a mandatory requirement that every employer provides health insurance to all employees (which would still be private insurance) or at the government level, i.e. socialized medicine. I would personally feel better off living in Canada or many European countries. Recently I read that while Canada spends less than half on health care per capita than the US, Canadians have a higher life expectancy than US citizens. Plus people have a better safety net there. No system is ideal, but clearly the US system needs fixing, especially for those of us with chronic medical conditions.

Answer 6

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Answer 7

I agree that there needs to be something better. I lost my insruance last year and had to pay for ALL of my supplies on my own (I am on a pump so the supplies for that alone are about $100 a month, and that doesn't include the insulin at about $250 a month and the test strips and lancets at nearly $200 a month and that doesn't include the Glucophage!!). I have seen online, by doing a search, insruance just for diabetics. It can be expensive, but it is out there. But, I look at it as the insurance ISN'T as expensive as the supplies for the diabetes. The amount I spend on diabetes supplies alone could pay for about a half month's rent where I am at! I would rather spend that money on rent than on medical supplies, but what can I do. I am now on some insurance thru a local program that pays 95% of my insurance premiums so I only have to pay $18.70 a month for it. But the co-pays are murder. But, it's still better than paying for all of it myself (the pump supplies are $40 plus shipping; strips and lancets are about $50; insulin is $40-$60). I wish I didn't have to pay the co-pays, but that's life.

Answer 8

I wish there was some kind of health insurance for us diabetics too ,I live in Ontario,Canada and I read the link the other person said to read and it makes it sound good but diabetes supplies arent any cheaper here unless your on somekind of health insurance plan,and Im not.I pay about 250 a month for supplies and theres nobody there to help pay for that!! if you dont have the money you dont get the insulin Im thinking its the same way in the U.S

Answer 9

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Answer 10

i have both diabetes and ms. the ms drugs would run a couple of thousand a month if i didn't have insurance. i think the problem with specialty insurance is that eventually, the premiums would be completely overwhelming and it could eventually be used against you.