Diabetic Health Insurance
For those living with diabetes, medical supplies and needs are of the upmost importance because the disease is self-managed. Some diabetics may already be covered by diabetic health insurance in their state, through the government, or through their employers. Others may have to seek out personal coverage. Those who have already been diagnosed with diabetes and are looking for diabetic health insurance may find the process difficult. This article contains more information about how you can check into your insurance options in your state if you have recently been diagnosed with diabetes:
Check Your State Benefits and Laws
As of 2005, 46 states require health insurance coverage purchased by employers or individuals to cover the cost for diabetes treatment. If you are not able to afford individual health insurance, or your employer does not provide it to you, you may be eligible for Medicare or Medicaid, depending upon age and income. Check on their websites for more information. Since Medicaid (just like the State Children’s Health Insurance Program [SCHIP]) is a state controlled benefit, benefits for those who are diabetic may vary from state to state. State Pharmacy Assistance Programs are versions of these programs that adults are eligible for. Check with your local health department, your doctor, or your local governmental assistance office to inquire about the availability of these programs in your area.
If You Have Recently Been Fired
If you have recently been fired from your job, and you are now concerned about where to turn to get the diabetic supplies you need, then you will want to know about the Consolidated Omnibus Budget Reconciliation Act (COBRA). This law could mean you may be eligible for the same group coverage your employer provided for up to 18 months. Those with disabilities may be able to extend their benefits for longer. COBRA benefits may vary from state to state, so be sure to inquire with your employer, or call the U.S. Department of Labor at 1-866-4-USA-DOL for more information about how COBRA could benefit both you and your family. If you are not eligible for COBRA, or your benefits have expired, check with the state insurance regulatory office for more options.
Other Resources
If you are a low-income or uninsured patient who has been diagnosed with diabetes, you may be eligible for assistance through The Bureau of Primary Health Care, which is part of the Heath Resources and Services Administration (HRSA). Hospitals that partner with HRSA to participate in the Hill-Burton Program may also be able to help. Ask at your local health department or hospital about these services in your area, or begin your research online at either of the programs’ webpages. Finally, if you are in need of prescription drugs or diabetic supplies, the Partnership for Prescription Assistance may be able to help. More information is available on their website. Your doctor may also be able to provide you with samples of testing strips, diabetic meters, and more. Simply ask during your next visit.