No Medical Questions Asked Health Plans for Diabetics
Most diabetics do not qualify for purchase of individual/family health insurance plans (but are eligible for group insurance coverage). Diabetics under age 65 and their families are eligible for “no medical questions asked health plans.” Well-controlled type 2 diabetics who are non-smokers and have low body mass indexes (i.e. low weight to height ratios] may be eligible for individual/health insurance plans offered by two carriers. Call us at 877-738-1554 for further details and help with enrollment. We also have “child only” plans available for children. Individuals who have had cancer, heart surgery, stroke, multiple sclerosis and other conditions that have been declined for coverage are also eligible to enroll.
We are able to help you with a plan (Choice, Encore, or Elite) that is affordable and will cover pre-existing conditions after 12 months of coverage (these limitations apply ONLY to hospital, ICU, anesthesia services and guaranteed issue life insurance). Plans have no pre-existing condition limitations for other benefits and services except 30 day waiting periods for sickness as outlined in the brochures. See plan descriptions for more details; benefits and details vary by state.. These plans are particularly attractive for diabetics because they:
- Are guaranteed issue and guaranteed renewable.
- Pay for doctors and hospitals
- Have no deductible
- Cover you in and out of the hospital
- Cover pre-existing conditions (including diabetes) in the hospital, emergency room and ICU after one year; no waiting period for benefits except as described
- You should also obtain a FREE Rx discount card complimentary of Diabetic Life Insurance Center
- Doctor, hospital, lab and podiatry networks
- Diabetic supplies program
- Hearing care
- Discount medical imaging
- Discount home medical equipment including orthotics and prosthetics
- Critical illness benefits option available for invasive cancer, heart attack, major organ transplant surgery, stroke, coma and end stage renal failure subject to pre-existing condition limitation
- Accidental death and dismemberment, excess medical expense and guaranteed issue term life insurance (12 month waiting period on the later for pre-existing conditions)
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