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8+ Best Health Insurance for Diabetics | Best Tips

More than 30 million people in the United States are diabetic, according to statistics. Unfortunately, reports show that medical costs for diabetic patients are 2.3 times higher than people without diabetes. Thus, getting the best health insurance for diabetics is admittedly herculean, but vital and imperative to their survival.

Good enough though, the Affordable Care Act, has afforded diabetics more inclusive access to affordable, preventative health care plans, which also include Medicare and Medicaid, and which consistently enables patients to get support to manage or prevent type 2 diabetes.

In this read, we will distill over the 8 best health insurance for diabetics. You must read through meticulously to understand how the listed insurance schemes work for you and which is most suitable for your health’s peculiarity.

In the meantime, we have attempted to provide quick answers to your concerns about diabetes.

Table of contents

Which Health Insurance is Best for Diabetics?

Choosing the right health insurance plan is essential for managing your diabetes. Best Health Insurance for Diabetics

  • Best Overall: Blue Cross Blue Shield.
  • Most Affordable: Molina Healthcare.
  • Best for Managed Care: Kaiser Permanente.
  • Best for Medicare Advantage: Cigna.

Is Diabetes Covered Under Health Insurance?

The majority of health insurance policies apply their restriction not only to diabetes but also to related complications. Actually, accessible insurance coverage that includes diabetes and associated complications does not include post-diagnosis until a 4-year waiting period.

What Insurance Covers Diabetic Supplies?

Section B (Medical Insurance) and its Diabetes Supply Coverage. If you have diabetes, Medicare covers some supplies and you have Part B. These covered supplies include: equipment & supplies for blood sugar self-testing.

Best Health Insurance for Diabetics

1. Blue Cross Blue Shield

Blue Cross Blue Shield is a nationwide group of businesses with a local base. It is one of the best health insurance for diabetics and ranks best overall according to Benzinga.

This ensures that the treatment is locally organized, but you have a national organization’s support. Blue Cross Blue Shield provides online resources and a comprehensive network of services to coordinate your treatment.

Instead of settling with whoever’s in your network, you should pick your doctor based on who best handles your treatment. In order to give you access to lower prescription rates, Blue Cross Blue Shield also partners with Civica, a new nonprofit generic drug and pharmacy company.

2. Molina Healthcare

This is one of the best health insurance for diabetics and ranks as most affordable, according to Benzinga.

With a focus on preventive care, Molina Healthcare provides affordable coverage. The organization supports individualized treatment and routine checkups.

Educational materials online will help you make better choices about your treatment for diabetes.

Plans provide links to the 24-hour nurse advice line for Molina.

3. Kaiser Permanente

By combining insurance and healthcare, Kaiser Permanente simplifies treatment.
It’s both a contract for insurance and a provider of managed care.

You can see several providers at several Kaiser Permanente facilities and pick up your prescriptions in 1 location.

Collaborating and helping you live the healthiest life is easy for doctors.

Also, as one of the best health insurance for diabetics, Kaiser Permanent ranks as the best-managed care insurance for diabetics.

4. Cigna

Medicare Advantage plans provide Medicare beneficiaries with organized treatment. Via the plan network, you obtain your treatment and you will have access to other advantages, such as vision screenings.

For those with diabetes, Cigna provides a Medicare Advantage package for special needs. Based on your health needs, this package provides you with an individualized treatment plan.

An interdisciplinary care team assists your strategy, and a primary care doctor and specialists are included in your team. A nurse care manager, pharmacist, and social worker can also be part of it. Your treatment plan helps to keep all the services on the same page and to ensure that high-quality care is offered.

It is also known for the best Medicare advantage.

5. eHealthInsurance

Healthcare is made easier by eHealthInsurance. Before you suggest a plan, enter your personal details, doctor’s preferences, and medications. The website lets you compare the plans available and sort them by premium or deductible. To decide the best match for your healthcare needs, you can easily access the specifics of each package.

6. UnitedHealthcare

As one of the best health insurance for diabetics and the United States’ largest providers of health insurance, UnitedHealthcare is available in almost every ZIP code. It also ranks as the best overall healthcare insurance.

UnitedHealthcare provides a wide range of insurance choices for individuals and families, from supplementary student benefits to fully-compliant Affordable Care Act (ACA) plans. To help you balance the costs and coverage, UnitedHealthcare has a range of metal levels and varying plan choices.

Do you prefer handling your insurance online? With interactive appointments at no extra cost, UnitedHealthcare also offers one of the best online health portals.

You may also schedule medical appointments from your MyUHC account, view your claims and monitor your policies.

7. AgileHealthInsurance.com

Short-term health insurance is a type of temporary protection that provides limited benefits. Though short-term plans aren’t a permanent solution to the issue of health insurance coverage, they can be useful for low-income families who need to fill a gap in coverage.

AgileHealthInsurance isn’t technically a health insurance company because it doesn’t issue plans in any part of the country. However, AgileHealthInsurance.com is an online search tool that makes it exceptionally easy to compare your options for short-term coverage. 

Simply enter your name, date of birth, email address, and phone number to start comparing quotes instantly. When you find coverage that’s right for you, click and pay your first premium. You can get short-term coverage in as little as 10 minutes. 

8. Aetna

Aetna offers tiered health insurance plans, and the company takes special care to streamline and improve on the patient portal model.

Through your Aetna account, you can schedule appointments, find new doctors or specialists, print your medical ID card, and more. 

Aetna also offers a comprehensive app compatible with iPhone, Android, and the Apple Watch to help you set and work toward your health and fitness goals. Aetna is an excellent choice if you’re tech-savvy and need an online one-stop shop for your healthcare needs.  

9. Humana

Are you a senior citizen? If so, you’ll typically have access to free or low-cost Medicare issued through the federal government. You might also want to choose a Medicare Advantage plan from a private company because Original Medicare doesn’t cover everything.

Humana specializes in offering exceptionally affordable Medicare Advantage plans intended to offer more coverage than Original Medicare. Many of Humana’s options offer $0 monthly premiums, and most plans also include $0 deductibles.

You can even supplement your Medicare Advantage plan with a comprehensive prescription drug plan for as little as $13 per month. If you’re close to age 65 and think a Medicare Advantage plan might suit your needs, consider a plan from Humana. 

Conclusion

It is my hope that this information will enable you better manage your health. What is most important to us is that you prioritize your health and convenience.

Whatever your decision, please ensure your health is insured and managed expertly.

Here are cheers to good health and long life.

References

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I’m Queen Ojukwu, a professional SEO content writer at Silicon Africa Technologies. I'm also an on-page SEO technical expert with over 4 years of experience. I'm a fan of technology, reading, and writing, and also interested in web development. You can hit me up for business by clicking any of my social media handles.

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