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Getting Health Insurance With Type 2 Diabetes

A brief overview...
  • You are guaranteed coverage through the ACA marketplace regardless of pre-existing conditions long as you are signing up during the open enrollment period
  • All ACA plans offer a set number of doctor visits per calendar year that are free from paying huge deductibles
  • You can opt to get a catastrophic healthcare policy or apply for expanded Medicaid if ACA plans are too expensive
  • There are numerous free screenings available during the year for diagnostic purposes
  • Obtaining coverage outside the marketplace will cost more and you may be subject to a penalty for not having adequate coverage under the new healthcare laws

Obtaining good healthcare coverage when you are diagnosed with type 2 diabetes is a breeze with the passage of the ACA healthcare laws. Although it is still considered a preexisting condition, individuals can no longer be discriminated against and denied coverage.

Enter your zip code above to compare free health insurance quotes and find diabetes coverage today!

ACA Guarantee of Coverage With Preexisting Conditions


Type 2 diabetes is a condition that is not typically developed overnight. In many respects, it can be controlled through diet, exercise, and medications. There is very little times that type 2 diabetics have to use insulin for treatment of the condition. Due to the slow development of the disorder, it has previously been used to disqualify people for healthcare coverage as a preexisting condition.

One of the largest benefits to Americans with the ACA is the guarantee of coverage, even when there are preexisting health conditions like type 2 diabetes. You cannot be turned away from coverage, as long as you are willing to pay the premium. It has made healthcare coverage for those truly needing medical services possible.

Availability of Medical Visits During the Calendar Year


All ACA healthcare plans allow for annual diagnostic evaluations of:

  • Blood pressure
  • Cholesterol
  • Colorectal cancer
  • Depression
  • Alcohol abuse
  • Diabetes type 2
  • Diet
  • Hepatitis B and C
  • HIV and STD
  • Lung cancer
  • Immunizations, and more

The complications of diabetes can be dramatic and life-threatening. It is important that you get a healthcare plan that allows for periodic doctor visits to monitor and control the disease. The good thing is that most basic plans do offer periodic visits during the year without paying huge deductibles. The price of the plan will vary by state and desired level of coverage.

When Coverage is Not Affordable


There are two options available if you cannot afford healthcare coverage through an employer, or the ACA marketplace. These options are:

  • Apply for Medicaid if you live in a state with expanded Medicaid coverage.
  • File for an exemption and take out a catastrophic healthcare plan.

There is no guarantee that you live in an area that offers expanded Medicaid. Some states have opted out of offering that program.

The Marketplace will let you know if it is available in your area and request that you apply for coverage. A catastrophic healthcare plan has high deductibles and out-of-pocket costs, but it does provide for limited doctor visits and free screening services during the year.

Free Screening Services Available Through ACA Health Plans


There are a number of free screening opportunities to detect and monitor illness during each calendar year. Some of these include:

  • Cancer screening
  • Diabetes screening
  • Cardiovascular
  • Heart disease, and more

There are a variety of screenings available for general patients as well as specialized testing for women and children. Taking advantage of the availability of free screening services can alleviate the burden of paying for a doctor visit, or using one of the valuable visits offered with your healthcare plan coverage. There are some plans available that can help cover the cost of diabetic test strips and supplies.

Getting Coverage Outside the Marketplace

Health insurance policy with stethoscope

Stepping outside of the Marketplace to find a health insurance plan with type 2 diabetes can seem frustrating. There is no doubt that unless you can show that your condition is stable, your premiums will be remarkably higher. You run the risk of not having adequate healthcare coverage under the ACA law. You will also not qualify for any tax savings or subsidies by purchasing outside of the designated marketplace.

You are better off getting coverage through an employer or Marketplace plan, if possible. The fines and penalties for not having adequate healthcare coverage can be stiff.

Many Americans qualify for subsidy assistance that brings the cost of the coverage to an affordable level. It is a benefit designed to encourage the use of the marketplace plans.

Contact healthcare coverage specialists to see what your best options are when it comes to a health plan with type 2 diabetes. You can be on the way to having affordable coverage today!

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