Family Health Insurance
Archive for December, 2010
Health Insurance Options in Wisconsin For the Self-Employed
Many self employed individuals do not realize what their options are in Wisconsin as it pertains to health insurance. Here are the main options that you have available
1.) Obtain coverage through your spouses group plan if available. Historically, this has been the best option, however many employers are now charging a pretty steep rate to add a spouse to their plan. It may be beneficial to shop around for an individual family health insurance plan.
2.) Establish a group plan. This can be costly for a small business owner in Wisconsin, as group plans are required to take all employees. For example, if you hire someone that had cancer a year ago, they are eligible for coverage and that is why group plans are costly, as they have to price in that risk when providing health insurance.
3.) Purchase an individual family plan from a major medical insurance provider in Wisconsin. There are many websites where you can shop plans from such carriers as Humana, Anthem BCBS, United HealthCare, WPS and other insurers in the state. The difference with individual plans versus group plans is that coverage is not guaranteed. You will need to submit an application and it will be underwritten based upon you (and your families) medical history. If you have had, or currently have major medical issues, this will probably not be an option. If however you can obtain coverage and your are not eligible for a group plan through a spouse, this is probably your best option.
4.) Many organizations such as local Chambers of Commerce have group plans available to their members. These can be pricey however, as they typically take all members regardless of pre-existing conditions. If you are relatively healthy, an individual family health insurance policy may be a better options.
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Health Insurance Options For Diabetics
Diabetes is a disease that damage nerve endings and blood vessels, and can lead to serious complications such as blindness, kidney failure, heart attack, and stroke. At present, 18 million Americans are estimated to have diabetes, and each year an average of one million more are diagnosed the same.
The disease can be effectively managed, but treatment is expensive. According to the American Diabetes Association, diabetics pay around $11,744 a year for medical care and supplies needed to monitor and control blood glucose levels. What makes matters worse is that the complications of diabetes make it unlikely for patients to have full-time employment and be eligible for group health insurance benefits. Statistically, diabetics are more likely to have a lower income and are prone to social and economic stress in comparison to non-diabetics.
Finding a low cost health insurance plan is difficult, to say the least. Most insurance companies consider diabetics uninsurable due to the high risk of complications that the disease implies – as most of the complications require specialized medical care. (Even ordinary health concerns would need specialized medical care for patients with diabetes.)
Sometimes coverage is offered but the prices are so expensive, often to the point of reducing a diabetic’s financial comfort level. Hence, so many elect to be uninsured instead.
Here are some types of health insurance that diabetics can use in combination with Government policies and nongovernment programs to enhance their overall health coverage.
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