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Re: A diabetic trying to get private medical insurance
Re: A diabetic trying to get private medical insurance -- Posted by EZGoinDm on 08-22-03 23:39
According to the ADA, in the States, only New York and Massachusets can NOT
deny coverage based on pre-existing diabetes.
The other alternatives are coverage through work, OR marriage to someone
with coverage to acquire sposual coverage through THEIR insurance. That's
all "I" could find in my search for coverage.
"rebelliouskiwi" wrote in message
news:8278fd81.0302202018.2bf40a84@posting.google.com...
> I totally understand your situation. The best thing you can do is to
> contact all or as many insurance companies as you possibly can. Im not
> sure for what its like where you live, but in Australia & New Zealand,
> you can sometimes get part of diabetes covered, but they will charge
> you an awful lot more than your "average so called healthy person" who
> walks through the door.
>
> I would love for someone to get a petition up & running for that kind
> of thing, to get insurance companies to sign us up. The other thing
> might be to contact your local diabetes association & ask them if they
> recommend someone or know of who you can contact about the situation.
> I believe its total discrimination & is unfair.
>
> Im a T1, & have medical insurance which doesnt cover anything I have
> (hearing loss, diabetes). The only thing it would probably cover is if
> I got hit by a car or something. Its stupid really. I took out travel
> insurance a few months back & I had to pay $200 extra for them to
> cover me for the basic cover when I travelled overseas ... basically
> it would get me an ambulance to the hospital & thats it. Pathetic
>
> Bex
> "Don't Hate Me Coz I Have Opinions, Hate Me Coz You Don't Know Me"
>
> "Trekee" wrote in message
news:...
> > I was wondering if any of you who have tried to get private medical
> > insurance have been turned down because you are a diabetic. I have
recently
> > tried to get private medical insurance and when the agent found out I
was
> > diabetic, I was declined right off the bat. Does anyone know of a
medical
> > plan that will cover a diabetic. Seems I'm a marked woman. I can't
believe
> > that insurance companies don't want to cover people who really need
> > coverage, i.e. diabetics, people with heart conditions, cancer, etc. I
> > realize the outlay of money is higher for people with these types of
> > conditions, BUT, what are we to do? It just isn't fair and I wish there
was
> > a way to change such policies in the insurance business. But until
then, I
> > need to find some medical insurance. Any feedback would be welcome.
---
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Re: A diabetic trying to get private medical insurance -- Posted by Joe Durusau on 08-23-03 07:27
I know of several ways to get health insurance for diabetics, but
they all involve group insurance. Almost everybody qualifies to
join some professional group or another, and in general they have
a captive plan. nb: there is always a waiting period of at least
a year before coverage for pre-existing conditions kicks in.
As an aside, remember that insurers do not have an endless supply
of money. There is no way they could survive if they stood in the
ER of the local hospital and allowed you to sign up a the ambulance
brought you in. To the OP: please remind any healthy members of
your family that the time to buy health insurance is when you are
still healthy.
Speaking only for myself,
Joe Durusau
EZGoinDm wrote:
> According to the ADA, in the States, only New York and Massachusets can NOT
> deny coverage based on pre-existing diabetes.
>
> The other alternatives are coverage through work, OR marriage to someone
> with coverage to acquire sposual coverage through THEIR insurance. That's
> all "I" could find in my search for coverage.
>
> "rebelliouskiwi" wrote in message
> news:8278fd81.0302202018.2bf40a84@posting.google.com...
>
>>I totally understand your situation. The best thing you can do is to
>>contact all or as many insurance companies as you possibly can. Im not
>>sure for what its like where you live, but in Australia & New Zealand,
>>you can sometimes get part of diabetes covered, but they will charge
>>you an awful lot more than your "average so called healthy person" who
>>walks through the door.
>>
>>I would love for someone to get a petition up & running for that kind
>>of thing, to get insurance companies to sign us up. The other thing
>>might be to contact your local diabetes association & ask them if they
>>recommend someone or know of who you can contact about the situation.
>>I believe its total discrimination & is unfair.
>>
>>Im a T1, & have medical insurance which doesnt cover anything I have
>>(hearing loss, diabetes). The only thing it would probably cover is if
>>I got hit by a car or something. Its stupid really. I took out travel
>>insurance a few months back & I had to pay $200 extra for them to
>>cover me for the basic cover when I travelled overseas ... basically
>>it would get me an ambulance to the hospital & thats it. Pathetic
>>
>>Bex
>>"Don't Hate Me Coz I Have Opinions, Hate Me Coz You Don't Know Me"
>>
>>"Trekee" wrote in message
>
> news:...
>
>>>I was wondering if any of you who have tried to get private medical
>>>insurance have been turned down because you are a diabetic. I have
>>
> recently
>
>>>tried to get private medical insurance and when the agent found out I
>>
> was
>
>>>diabetic, I was declined right off the bat. Does anyone know of a
>>
> medical
>
>>>plan that will cover a diabetic. Seems I'm a marked woman. I can't
>>
> believe
>
>>>that insurance companies don't want to cover people who really need
>>>coverage, i.e. diabetics, people with heart conditions, cancer, etc. I
>>>realize the outlay of money is higher for people with these types of
>>>conditions, BUT, what are we to do? It just isn't fair and I wish there
>>
> was
>
>>>a way to change such policies in the insurance business. But until
>>
> then, I
>
>>>need to find some medical insurance. Any feedback would be welcome.
>>
>
>
> ---
> Outgoing mail is certified Virus Free.
> Checked by AVG anti-virus system (http://www.grisoft.com).
> Version: 6.0.506 / Virus Database: 303 - Release Date: 8/1/2003
>
>
>
Re: A diabetic trying to get private medical insurance -- Posted by Evon on 08-25-03 06:39
Its all about money. If your sick, no insurance company is going to cover
you, individually. You will have to get into a group. Otherwise, if an
insurance company covered you individually, they would loose money. That's
not a go!!
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