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Types of Insurance for Diabetics

Pre existing condition insurance for Diabetics

Diabetics often have to face the duel problem of meeting steep out-of-pocket medical expenditure and refusal of coverage by most conventional health insurance plans. The problem is worsened by the fact that due to several health complications of diabetes, such patients are unlikely to get full time employment and become eligible for group insurance benefits. Some studies show that apart from lower incomes, diabetics also suffer from several other social and economic stresses. However, pre existing condition insurance can come to the rescue of diabetics and make their lives a bit easier.

Types of individual health insurance available for diabetics

HIPAA plans, individual conversion plans, COBRA coverage, state assigned risk pools, and Basic Health Insurance are some options that diabetics can explore.  State assigned risk pools issue a majority of the long term health insurance plans for diabetics these days. While many states use a Blue Cross association to offer these plans, some others ask commercial insurance companies to issue such plans. 

Guaranteed issue individual insurance

Though these plans accept all applicants despite any health history, most people find it difficult to pay for the expensive premiums. Still, these plans can help a diabetic cover his/her medical bills, though some plans may have a waiting period (which can vary from 12 to 24 months) from the start date of insurance policy till before coverage for a pre existing health condition becomes applicable.

Limited indemnity medical plans

The number of renewable long term limited indemnity medical plans for diabetics is increasing. Though such plans can’t be considered as "major medical insurance", they set a ceiling benefit for each form of covered expense. As a diabetic, you can combine these policies with other types of insurance to enjoy additional benefits. However, such limited indemnity plans usually don’t offer coverage for diabetic supplies and prescription drug expenses, but have provisions for including these expenses under a separate discount drug card.

Professional help to select the right plan

With several fine prints to be considered and legal implications to weigh, finding the right pre existing condition insurance for diabetes can be a tough task for the uninitiated. So, it’s best to take professional help to choose the right plan and ensure that your claim, when you file it, isn’t denied.
You can contact insurance agents of reputed companies offering pre existing condition insurance for diabetics to consult and seek advice on what plans suits your condition and budget the best. Choosing the right plan will certainly help you breathe easy and live life without the constant worry of escalating medical costs.

STD

Sexually Transmitted Diseases |Get Health Insurance

Sexually Transmitted Diseases, or STDs, can be life altering & traumatic. Get covered even when traditional insurance companies don’t provide coverage.

Guaranteed issue health plans for STD patients           

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that a cure for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

http://mchb.hrsa.gov/whusa04/pages/ch2.htm
Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching, etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies

Picture: Smiling couple

However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Guaranteed issue health plans for STD patients

Guaranteed issue health plans for STD patients

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that cure a for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies.
However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Types of Insurance for Diabetics

Pre existing condition insurance for Diabetics

Diabetics often have to face the duel problem of meeting steep out-of-pocket medical expenditure and refusal of coverage by most conventional health insurance plans. The problem is worsened by the fact that due to several health complications of diabetes, such patients are unlikely to get full time employment and become eligible for group insurance benefits. Some studies show that apart from lower incomes, diabetics also suffer from several other social and economic stresses. However, pre existing condition insurance can come to the rescue of diabetics and make their lives a bit easier.

Types of individual health insurance available for diabetics

HIPAA plans, individual conversion plans, COBRA coverage, state assigned risk pools, and Basic Health Insurance are some options that diabetics can explore.  State assigned risk pools issue a majority of the long term health insurance plans for diabetics these days. While many states use a Blue Cross association to offer these plans, some others ask commercial insurance companies to issue such plans. 

Guaranteed issue individual insurance

Though these plans accept all applicants despite any health history, most people find it difficult to pay for the expensive premiums. Still, these plans can help a diabetic cover his/her medical bills, though some plans may have a waiting period (which can vary from 12 to 24 months) from the start date of insurance policy till before coverage for a pre existing health condition becomes applicable.

Limited indemnity medical plans

The number of renewable long term limited indemnity medical plans for diabetics is increasing. Though such plans can’t be considered as "major medical insurance", they set a ceiling benefit for each form of covered expense. As a diabetic, you can combine these policies with other types of insurance to enjoy additional benefits. However, such limited indemnity plans usually don’t offer coverage for diabetic supplies and prescription drug expenses, but have provisions for including these expenses under a separate discount drug card.

Professional help to select the right plan

With several fine prints to be considered and legal implications to weigh, finding the right pre existing condition insurance for diabetes can be a tough task for the uninitiated. So, it’s best to take professional help to choose the right plan and ensure that your claim, when you file it, isn’t denied.
You can contact insurance agents of reputed companies offering pre existing condition insurance for diabetics to consult and seek advice on what plans suits your condition and budget the best. Choosing the right plan will certainly help you breathe easy and live life without the constant worry of escalating medical costs.

STD

Sexually Transmitted Diseases |Get Health Insurance

Sexually Transmitted Diseases, or STDs, can be life altering & traumatic. Get covered even when traditional insurance companies don’t provide coverage.

Guaranteed issue health plans for STD patients           

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that a cure for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

http://mchb.hrsa.gov/whusa04/pages/ch2.htm
Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching, etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies

Picture: Smiling couple

However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.

 

Guaranteed issue health plans for STD patients

Guaranteed issue health plans for STD patients

Sexually transmitted diseases or STDs are extremely common today, especially amongst those between the ages of 15 and 24. Of course, this does not mean that other age groups are not victims of this ailment. STDs are diseases that are transmitted from one person to the other via sexual relations, which include oral sex, vaginal intercourse, and anal sex. What makes the problem really serious is the fact that cure a for STDs is yet to be found. No wonder that traditional insurance companies don’t provide coverage for such patients. However, with guaranteed issue health plans, such patients can now get coverage for their condition.  

Understanding STDs and symptoms

Before going into how such insurance policies help these patients, it is important to understand the different types of STDs that are prevalent today, and the care or treatment they require. HIV/AIDS is the most commonly known sexually transmitted disease today. Chlamydia, Gonorrhea, pubic lice, herpes, hepatitis B, HPV or human papilloma virus, syphilis, trichomoniasis etc are some of the other common sexually transmitted diseases today.
Men and women exhibit different symptoms when they are affected with any one of these sexually transmitted diseases. Where feeling of pain during sexual intercourse, vaginal discharge, incessant bleeding, painful bowels, etc, are common in women, men usually experience pubic lice, unusual discharge, ulcers, burning, itching etc. Other common symptoms experienced by both the genders include loss of weight, yellowness of skin, nausea, and fever.

Insurance for pre existing conditions

When a person is suffering from any STD, pre existing condition insurance coverage is nonexistent, with most companies refusing to handle such cases. This is largely due to the nature of the disease and the amount of time, money and effort required for maintaining health during that period. Added to this is the fact that these diseases have no cure and are therefore lost causes to most companies.
However, with guaranteed issue health plans, this is not a problem anymore. No longer do you have to suffer through treatments and financial problems alone. These plans ensure that you are not refused coverage merely for your pre existing condition. However, some companies may have a lock in period (which could be one year or two years) where you are not given any claim amount.
Pre existing condition insurance coverage may be limited in nature. In other words, the amount of coverage you will receive if you are completely healthy may be more comprehensive than if you have a pre existing condition. While this limit is not related to the nature of your claim, it is definitely related to the amount. For instance, some companies may impose a certain limit on the amount they will give out as claim, even where they accept all kinds of claims.
Therefore, knowing more about such insurance companies and their guaranteed health plans is important for those with STDs.