I Reappled For Long Term & Short Term Insurance At Work And Once Again Was Denied. Is This LEGAL?

A few days ago, I received my letter denying me long term & short term insurance coverage. The letter stated, “As you know, the insurance you are applying for is medically evaluated and certain health standards must be met to be eligible for enrollment. Another review has been made of the insurability applications you completed. Based on your condition of insulin dependant diabetes diagnosed 1989, it has been determined that our original decision to deny Short and Long Term Disability insurance coverage cannot be changed. Other pertinent health history includes high blood pressure and acid reflux.” The letter goes on to state I have 90 days to appeal this decision. I must say I HAD this insurance and dropped it shortly after starting at The State of Texas. Does this mean I will never be eligible or should I fight this with an appeal? I can brag and say I don’t call in sick (very often) and do a great job at work. I work 13 hour days and have a 2 year old son!!!!!!!!!

Answer
When the employees pay all of the premium or part of the premium (and employees can waive out making participation less than 100%) then the insurer will usually require proof of good health in order to become insured. This is perfectly legal and common practice. Whenever you have a pre-existing medical condition, you should never drop coverage until you are approved in writing for new coverage. Coverage is not guaranteed and worse, you now have a denied code registered with MIB which is a warning to other insurers. Any way to get that other coverage reinstated?

Healthcare Coverage For Diabetics? Is It Safe To Take Insulin?

I have type II diabetes and my insurance doesn’t pay hardly anything. My co pays are out the roof and we make too much money to get assistance. I haven’t been to a doctor in over two years or had any meds, or chem strips. My insurance company said I should give my self injections since insulin can be purchased over the counter, but I,ve only ever taken pills. Is there a safe guideline to do this? I’m having problems with my feet and I know my sugar is sky high. I really need advise.

Answer
I would never take insulin without consulting with your doctor first. It’s just to dangerous. Your doctor can tell you how much insulin you should inject and what type of insulin you need to use…

Not something you just want to play the guessing game with.

What do you mean by chem strips? Testing strips?

My Daughter Has Gained 40 Lbs. Since Going On The Omni Pod For Her Diabetes. Has Anyone Else Had This Problem?

i’m very concerned about my 29 year old daughter’s health. she went on the pod about a year ago and has since gained all this weight. she is treated by the indian clinic (chickasaws) because she can’t qualify for health insurance. i’m not sure if she’s getting the proper care. please tell me if any of you have gained weight on the pod and why.

Answer
A lot of people gain weight when they go on an insulin pump, which a POD is. A Pod is a pump without any tubing. So the deal is when you get real good control of your blood sugars your body uses the calories the way it is supposed to and you can gain weight. The best thing to do is to consult a dietitian and get on a good well balanced diet to lose the excess weight.

I Was Just Diagnosed With Diabetes. Can Anyone Tell Me Where To Go For Help With Diabetic Supplies Cheaply?

I was just diagnosed & put on GLUCOPHAGE. My hemaglobin A1C was 12.1 & averaged 317 over the past 3 months. I have no medical insurance & was hoping to get medical supplies as cheap as possible. I see the diabetic nurse for the first time next week (Wednesday). Thank you

Answer
Good luck pal there is nothing cheap about diabetes everybody has prices jacked up to get into your pocket. However that being said sometimes the Dr. has samples of medicines that he can provide and your diabetic nurse is a good source for meters, test strips, and lansettes. As for being newly dianosed you can turn diabetes around and get off of all meds and supplys, here are two words that you should have ingrained in you mind. DIET & EXERCIZE so important, it will be a lifetime commentment but diabetes II or adult onset diabetes or whatever they are calling it these days can be turned around with these two lifestyle changes. Educate yourself about your diesese. There are several good websighs WebMD, Veriatus (sp) The Joylisn clinic, and I am sure that there are more. Good luck I know this is more then you ask but hope you find it useful

I Think I Have Diabetes Because I Am Constantly Thirsty And I Have To Pee All The Time. (continued Below)?

These symptoms started a little over a year ago, but I have no insurance and cannot go to the doctor. What should I do?

Answer
Call you primary care provider and request having a fasting glucose done. You will need to fast for 10-12 hours. if the results are borderline a more sophisticated test called a 2 hr GTT can be done for a definitive dx.

As for as having no insurance I think a regular fasting glucose test would not be more than a few $. The 2hr GTT would cost more but do not have that done unless you fasting glucose is over say 125-150. if it is over that you do have diabetes and would only waste your money.

Diabetes Supplies For Non-insured?

Is there a way to get diabetic testing supplies at low cost or no cost? I have type 1 diabetes and have not had insurance in several years. I am only able to work part time and cannot afford to buy testing supplies out of pocket.

Answer
Wal-Mart carries a brand of supplies called Relion Ultima. The machine costs 8 bucks and you could get 100 strips for 43 bucks. It’s a reliable machine and very inexpensive compared to most others.

Home School/Insurance Help!!! Ten Points Best Answer!!?

O.k I am 17, and home schooled, I am in 11th grade ( I missed the cut off date). the problem is I have diabetes. I get my insurance through my dad’s work, but to keep it after i turn 18 ( i will still have one year of school left) I need to prove that I’m doing school. how do I do that? I get tested yearly through the state, but i geuss that doesn’t count. I tried looking to see if I could do the K12 thing for my last year, but they don’t have it in Oregon. any help or advise would be great!!!!

Answer
Is your family a member of HSLDA?
Each member family receives a student and teacher ID card yearly as proof of homeschooling. That may be one way. Also if you are members and the insurance company gives you trouble, HSLDA (Home School Legal Defense) may be able to help. They assist home schoolers with all kinds of legal difficulties.

Another option may be to enroll in an Umbrella School. Many can be quite expensive. We found HomeLife Academy the least expensive. For about $70 a year ($120 for your senior year), you can enroll in HomeLIfe, then you will be a student in their school. They even issued working papers for my son when he was 16 and wanted to get a job. You can continue using what ever curriculum you have been using. You will have a personal Counselor who will assist you with course selection if necessary, graduation requirement, college applications, etc. You can contact your counselor for assistance by phone or email. Your parents just submit your grades on line and HomeLife will issue you a Diploma when you graduate and also provide transcripts for colleges. They could verify that you are one of their students for your insurance.

I Retired This Spring Without Enough Financial Resources, What Are My Rights ?

I was forced into early retirement, because of the economy and slow job market, I went to the hospital in march and was diagnosed with diabetes, I have no health insurance. I am a 62 yr old male, I’m single and have no one at home. I recently obtained a part time job at wal-mart. To help with bills.
Are there any places to get food resources? Am I entitled to any medical resources?

Answer
Like most of us broke retirees you don’t have a lot of “rights” to demand but there are services out there that can help you not as an entitlement but out of people’s kindness and concern.
1. You may be eligible for Food Stamps check with the welfare office.
2. Go to www.feedingamerica.org to find out about other help with food
3. Look up www.needymeds.com for help with your diabetic meds
4, Call 211 (or look up number for your local United Way) to find out about other help resources including affordable medical care in your community also ask how to contact your local area agency for the aging and the number of your nearest senior center.
5. Watch the paper for announcements of giveaways etc
6. Go to www,yahoo.com look under groups and then do a search for Freecycle for your area – this is people giving away decent stuff they no longer need (furniture, clothes, etc)
7. if you can get food stamps you may be able to get a free cellphone https://www.safelinkwireless.com/EnrollmentPublic/home.aspx
8. You may be eligible for public housing or senior “affordable housing” Agency for aging can tell you
9. Check with community action agency and agency for aging re utility and heat supplements you may be eligible to receive.

What Can We Do? Insurance Stuff?

Okay so me and my girl friend are planning on getting married in 6 to 9 months. the only thing is she is going to school and works part time and she has type 1 diabetes so she need insurance I have been working at the same place for the past 4 years as part time getting 40 hours a week but not actually full time so I cant get insurance. she is on her parents now but once we get married she will have to get off of it as I understand. what are the options that we have? I am willing to quit and go get a job that we can get insurance with but I will have to take a cut in pay most likely and usually the ones I have been looking at you have to work there for a year to get it what can we do?

Answer
find a job that offers insurance and put off the wedding for a year or so.

What Can I Do? Insurance Etc.?

Okay so me and my girl friend are planning on getting married in 6 to 9 months. the only thing is she is going to school and works part time and she has type 1 diabetes so she need insurance I have been working at the same place for the past 4 years as part time getting 40 hours a week but not actually full time so I cant get insurance. she is on her parents now but once we get married she will have to get off of it as I understand. what are the options that we have? I am willing to quit and go get a job that we can get insurance with but I will have to take a cut in pay most likely and usually the ones I have been looking at you have to work there for a year to get it what can we do?