My husband does not have health insurance and was diagnosed with diabetes? How can we afford this? Any help?

Question

Is there anyway that he can even obtain health insurance and the insurance company will cover him. We can not afford 300.00 a month on health insurance.

Answer 1

Does he need meds?..Contact the major pharmaceutical companies...they provide those who cannot afford meds with proof of income.

Answer 2

1

Answer 3

There are insurance companies that will insure him, but not many, and those that will are going to cost that 300 a month. Insurance companies are businesses looking for a black bottom line and diabetes can cost them a lot of money. As others have mentioned, looking for a job with good insurance is your best bet. Diabetes can be very hard on the family budget. If he requires medications most of the pharmacuetical companies have programs that might help you depending on your income and circumstances. Check out pparx.com for more information. His doctor might be able to point you to some programs too. If there's a university hospital close by check to see if they have diabetes programs and/or clinics. The best way to keep costs down is for him take control of his diabetes. Lifestyle changes will make a huge difference in his need for medications and improve his health which will make a big difference in his medical costs. You might also check into a medical savings account where you can contribute money that will be tax free and can be used to purchase his medications, testing supplies, doctor appts, etc. Good luck and take care.

Answer 4

I don't want to give you bad news, since this is already a hard situation for you I'm sure. However, most insurance companies consider pre-existing conditions like diabetes, high blood pressure, smokers to be high risk to them and either will not insure these people at all or make them pay sky high rates. The best way to be able to get care for him w/o breaking the bank would be for either you or him to get a job w/good health insurance and get him on the plan quickly. It seems absurd the way these things work in America, but that's my best suggestion.

Answer 5

I'm a 45 year old woman and was recently diagnosed as being a borderline diabetic. My doctor prescribed some medication, but before filling it I decided to do some research on the internet which led me to the methods. After reading this ebook and applying the methods, my scepticism turned to 100% belief. I noticed that my energy levels increased significantly and I felt more rested in the morning, my symptoms started going away.

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Answer 6

If it's been less than 90 days since he had health insurance, he's OK. Preexisting conditions will still be covered. He just needs a job with health insurance immediately.

Do not let your health insurance lapse for more than 90 days! Preexisting conditions will not be covered if you do.

Answer 7

Talk to your Doctor's office. They may be able to get him on a special program or the State may be able to help if your income is low (State Health Insurance) Put this in again under Insurance.

Answer 8

Is is glucose so high that he needs medication? If not, he may be able to control it and bring it down to a normal range by exercise and strict diet. Find a book a that library that details the best way to manage borderline or slight diabetec ranges. Do you have a county health clinic where he could seek help - their fees are based on ability to pay. Good luck.

Answer 9

Often, if you tell the doctors that you don't have health insurance, they'll negotiate prices... They try to milk insurance companies but if you don't have insurance they sometimes will take what they can get.
As for the prescriptions... you should check out government programs like medicare or such.

Unless, of course, one of you can get a job that offers it.

Answer 10

I hope this link helps...

http://www.medsave.com/health-insurance-articles/health-insurance-for-diabetics.htm

Good Luck

Answer 11

If not insulin dependent, perhaps compliance with a diabetic diet will help reduce or eliminate the need for medications.

Diet Guidelines
http://www.diabetes911.net/readit/chapter10.shtml

Blood Sugar Management
http://www.dlife.com/dLife/do/ShowContent/blood_sugar_management/

Wal-Mart Testing Supplies
http://www.walmart.com/catalog/product.do?product_id=3555238