In Florida, health insurance for diabetics is a much needed, but sometimes difficult to obtain form of coverage. Diabetes is a disease that affects millions of Americans. Unfortunately, while the disease may be common, finding health insurance to cover that disease can be difficult. However, there is Florida health insurance for diabetics if you are willing to be creative in your search and have a bit more money to spend on your coverage.
FL Health Insurance For Diabetes Through Your Employer
One thing that you should know about Florida health insurance for diabetics are that if there is insurance available through your employer, you cannot be turned down for health insurance. This is a great option for someone who has diabetes and cannot afford other options. While group insurance (which is what is provided through your employer) is more expensive, many companies pay a portion of that cost as part of their incentive package for their employees. Of course, this is not an option for everyone.
FL Health Insurance For Diabetes For The Self Employed
If you are self-employed, you may be wondering if you have the same option for your health insurance as you would if you worked for someone else. The answer to that question is yes. You can purchase a group health plan for your company as long as you have two or more employees (including yourself) working at your company. Speak to one of our independent insurance agents to determine which group plan would be best for your company and your budget. It is important to know what your options are for your company, and you want to make sure that this is something that you can afford.
FL Health Insurance For Diabetes Coverage Issues
If you have diabetes, you are going to find that many insurance companies will not cover you do for, not only the diabetes, but the many complications that can occur because of the diabetes. These include high blood pressure, loss of eyesight, loss of limbs, higher risk of heart attack and more. What’s more, the fact that you have an ongoing disease that must be managed by medication and equipment will often cause you to be considered an uninsurable person.
Private Insurance For Diabetics
There are options for you, however, if you cannot get insurance through an employer and one of those options is to pay a premium for a private indemnity plan. The downside to purchasing a plan like this is the amount of money that you will have to pay in order to have your diabetes and related conditions covered. In these cases, an insurance company will cover your pre-existing conditions. but will you may pay 50% to 300% percent more than a healthy person would for their premiums (the amount depends on the severity of your condition, length of time you have had diabetes and the Florida insurance company that you use).
Some Florida health insurance companies will provide you with insurance that completely excludes your diabetes and common related illnesses from your treatment plan. This option is good for those who can afford to purchase the items they need for their diabetes without help and also allows for a smaller monthly premium. This at least provides you with coverage for other health issues that are not a result of the diabetes, which can offer some relief as far as health care coverage is concerned.
Guaranteed Issue Coverage For Diabetics
You can also consider guaranteed issue individual Florida health insurance. This type of insurance includes insurance plans such as HIPPA and COBRA plans. The expense of these plans can be astronomical, in some cases even as high as $2,000 a month for a single person. If your monthly medical expenses are higher than this amount then this might have a value for you; however, do not purchase a family plan this way, as you should not pay such premiums for healthy family members. If you speak with one of our independent agents, you can determine if these plans are right for you or if you have other options available to you.
Know Your Coverage Options
If you have been turned down for health insurance from one or two Florida health insurance companies because of your diabetes, do not give up. This does not mean that you will be turned down by all providers. In these changing times, many companies are insuring people that they have not in the past. Talk to an agent and use the free FL health insurance quote tool found at the top of this page to find the best and most affordable health insurance plans available for your specific needs. Just your 5 digit zip code will get you started now.