How much money does it cost to support a diabetic child?
- Sunday Nov 29,2009 03:58 AM
- By diddy
- In Others
How much money does it cost to support a diabetic child? Which insurance companies cover it? Is there an increase in cost for premiums and exclusions for coverage after being diagnosed or even being at risk? Are there laws that prevent insurance companies from losing insurance after being diagnosed?
Diabetic Child, Exclusions, How Much Money, Insurance, Insurance Companies, Insurance Cover, Premiums, Risk
7 Comments
You can easily check your minimal health care rates in internet, for example here - health-quotes.talk4fun.net
I actually just got done filling my prescriptions online..i have kaiser permanente, they are GREAT!!! they cover so much, for example, for a 3 month supply of my insulin it costs about $549.75, with my insurance i only pay $22.50. So in reality my insurance pays thousands of dollars but i only pay about $300.00 a year
The per capita cost resulting from diabetes in 1997 amounted to $10,071.00; while healthcare costs for people without diabetes incurred a per capita cost of $2,699.00.
Obamas Health Care plan would prohibit being denied for previous illness.
Tin
I can only speak about myself, but I am a type 1 diabetic (insulin dependent) and have had it for 2 years. (Im 19) I used to pay $30 for 1 bottle of insulin but now they allow me 2 bottles for the month. So that is $30 just for insulin in a month. Then I also pay for glucose strips which cost me another $30 for 3 boxes (150 strips) which isn’t a lot considering I used 3-5 a day. You also have to buy a glucose monitor every once in a while which cost from $20-$100 depending on the brands. Also you have to buy glucagon (for emergency’s) once every year, which for me is another $30. I buy needles too and they are the most expensive thing due to the fact that my insurance won’t cover them. Its weird cause they due cover some needles but only the ones with the LONGEST needle not the shortest needle (which is the kind I use). Im a small person I don’t need a 1 1/2 inch needle stabbed into me! I pay $30 per box and I go through a box QUICKLY! I have Kaiser permanente and it is illegal for them to increase the cost of my premium due to the fact of diabetes
It is very unlikely for an insurance company to drop you because of being diagnosed with diabetes. But it is more likely that you could be denied by certain insurance companies becasue you are diabetic (and then you really do not want that company, they just want your money and do not care about you). It is hard to tell you what insurance companies would cover it, but it is hard to get a child or adult who has diabetes their own individual plan, unless of course it is a company exclusively for children. If you do not already have insurance on the child, get it. Try children insurance companies first, if no luck, get them on a plan with you. If the child is on a plan with you it will probably cost more money. Children plans tend to be easier with better co-pays, such as $5-$10 or even at no cost for prescriptions and doctor’s visits (and you need a lot of those).
Diabetics have to see all of the doctors, to make sure that the diabetes does not show signs in other parts of the body. The doctors included are and Endocrinologist, primary doctor, Optometrist, and if any other problems arise that doctor included. Diabetics have to see the Optometrist and primary doctor usually only once a year, sometimes more if there is a problem. The Endocrinologist is another story, you can see this doctor anywhere from once a year to every month, depending on how well controlled the diabetes is. Usually for children every three to six months is the most common. Prescriptions can be costly, if the diabetic is insulin dependent, the diabetic usually needs a short acting insulin (such as Humalog, R, Humalin, and Novalog) and a long acting insulin (such as Lantus and Levimir). Other prescriptions that are included, with any diabetic, is test strips, lancets, blood glucose monitor, needles or needle heads (for insulin pens) are the most common. Depending on where you go, some doctors give free blood glucose monitors to their child patients, which can help a lot. Other costs for prescription could be added on if the child develops another disease such as hypothyroidism, which is common in diabetics too. A daily pill helps it, but it is still another RX to fill. This why it is important to get a good insurance company with good benefits. I hope I helped and good luck to you.
Get as much resource as you can maybe is one option,however it could be quite time consuming,here
http://www.HealthInsuranceFree.info
is one resource i have had good experience.
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