I am a diabetic that cannot get coverage because of pre-existing. I have high blood pressure and I am out of my medication. I need money to go to a doctor but I need to get blood test for the diabetes. I make just above minmum wage and my state doesn't help with medical unless your a child or you are pregnant. Soon I will be out of the other medications that I need. I can get help with medications but cannot afford to go to the doctor for all my needs. I have over 100,000.00 in medicaal bills in just 1 year alone and I miss work because I get sick because I am out of medication. I know I am not the only person going through this but people like me that have to continue on this road die sooner then they shoud!!!
2006-10-02 12:43:49 · 9 answers · asked by sidboden 1 in Health ➔ Diseases & Conditions ➔ Diabetes
Welcome to the greatest country in the world! Good old USA land of the free...free to die without medical care! Okay...that said, there are clinics that provide free or low fees. Check out this link to find clinics near you...
http://ask.hrsa.gov/pc/
You can also call your local Red Cross and United Way chapters to see if they have health assistance programs. You've already found that you can get help with your medications. Churches are also resources that might be able to help. Some states have high risk pool insurance for people who are not eligible for private insurance, call your state insurance commission to see what they offer, if anything. However, if it is available it's expensive and you'll probably have to wait 6-12 months to be covered for pre-existing conditions. some will waive that period if it hasn't been more than a few months since you had insurance. It's frustrating...but I assure you that even people who are "fortunate" to have insurance are paying a lot of money in premiums for insurance that covers little. I'm really sorry for you, hope some of these suggestions help you find some help...
Insurance has to cover pre-existing conditions...IF they accept you...after a waiting period, usually a year. The do not have to take you with a pre-existing condition. And then depending on the insurance they might put testing supplies, needles, pen needles, etc, in a different part of the policy so that you have to meet a deductible before they pay. And some states do not require them to pay for them at all! They're in it to make money, most diabetics are most assuredly going to COST them money....it's all about the bottom line.
2006-10-02 16:10:34 · answer #1 · answered by BRUCE D 4 · 0⤊ 0⤋
My understanding is that not covering preexisting conditions is illegal; could be a state thing. In any case, even if they have to cover it, they can charge more than for a healthy person, so it's virtually impossible for me to find any good insurance as well. My only hope is my employers. If I understand it correctly, as long as I have insurance, when I change insurance companies, my diabetes is NOT considered preexisting, and I get the same insurance for the same price.
Next time you are able to be at the doctor's office ask about enrollment/application for drug assistance programs. Many of the drug companies offere drugs at reduced rates or even free for people who cannot afford them. The doc's office should have forms available to help fill them out. He may be able to get you samples as well, so you have to spend less on the actual prescription. Good Luck!
2006-10-03 01:03:11 · answer #2 · answered by J 4 · 0⤊ 0⤋
Generally speaking, even pre-existing conditions will be covered after one year on the policy. In some cases, if your health insurance is through your place of employment (a group polocy), there is no wait for coverage for pre-existing conditions. Except pregnancy.
2006-10-02 19:32:01 · answer #3 · answered by Picture Taker 7 · 0⤊ 0⤋
Its like car insurance you buy the insurance for premium and once you have the accident you are covered. if you get into an accident and then ask the insurance company to cover the cost of the car. Same as in medical insurance they cover you in case something happens if it already happened then they wont cover it.
2006-10-03 07:14:41 · answer #4 · answered by josh s 2 · 0⤊ 0⤋
The insurance companies pretty much can write their own policies and are only held in check by the consumers who are savvy enough to read the fine print and decide what policy to buy. I do see a wind of change blowing---and it is for the better----we must all become more aware and demand equitable service.
2006-10-02 15:43:22 · answer #5 · answered by EZMZ 7 · 0⤊ 0⤋
Insurance companies are there to make money, not help the public. If they were forced to covered existing conditions, nobody would get insuance until they needed it.
What you need is to change your countries view on public health care plans. Everybody should be covered.
2006-10-02 12:51:43 · answer #6 · answered by Anonymous · 0⤊ 0⤋
sorry to hear about your dilemma, but I will be there also when my husband retires soon down the road. He will have medicare but I won't be eligible for it for a few more years. no one is going to insure me and if they did, I could not afford the premiums. it should not be this way. We need socialized medicine.
2006-10-02 14:11:29 · answer #7 · answered by Anonymous · 0⤊ 0⤋
hate to say it but you can thank our lovely ex-president Ragen for that one he is the one that came up with that idea when he was president not to cover pre-existing condentions when he was in office years ago.
2006-10-05 05:24:04 · answer #8 · answered by Doris D 5 · 0⤊ 0⤋
They don't want you to get insurance for just something and then get rid of your insurance after you get it fixed
2006-10-02 14:22:07 · answer #9 · answered by Anonymous · 0⤊ 0⤋