Obamacare deadline nears – what are the health insurance options for diabetics?
The hours are counting down until the February 15 2015 deadline to sign up to the Affordable Care Act, fondly known as Obamacare.
There are two reasons why federal officials are vigorously promoting the significance of this deadline:
- After February 15, people will only be able to enroll following a major life change that affects their insurance, such as losing their job
- You will likely to be required to pay additional income tax if you do not have health insurance
The Affordable Care Act requires near enough all Americans to have health insurance, and officials are predicting roughly three per cent of taxpayers will be charged for not having health insurance during 2014.
Affordable Care Act and diabetes
If you have diabetes, but not health insurance, you will find several benefits from signing up to the Affordable Care Act.
The American Diabetes Association have also issued their backing, writing on their website: “The Affordable Care Act includes a number of changes to improve access to health insurance for individuals and families and make coverage more affordable. People with diabetes are benefiting from the insurance protections and new coverage opportunities.”
One of the biggest incentives, a policy which was introduced in 2014, is that diabetic patients are not allowed to be charged higher premiums, or denied coverage due to their diabetes.
Additionally, a number of essential health benefits are included. These cover bills for hospitalization, prescription drugs and preventative services, while free preventative care is covered, such as diabetic screenings for adults with high blood pressure and pregnant women.
Other health insurance
There has been vast opposition to the Affordable Care Act since it was passed in 2010, and it may not be within the financial means of some people, especially if you believe your premium is not merited for what services you will be receiving.
However, management and treatment of diabetes is expensive enough, and health insurance is essential for diabetics. This is especially the case if you suffer any short or long-term complications, which can be extremely costly.
Many people may need assistance in paying for their health insurance, and if you do not have any, and are not planning to sign up to the Affordable Care Act by February 15, you should investigate other options as a matter of urgency.
Federal health programs such as Medicare and Medicaid can help with health care expenses, while private health insurance can be obtained through an employer, and pharmaceutical companies can provide cheaper medication alternatives if you are struggling financially.
Whether you use the Affordable Care Act, or another form of health insurance, ensure that you spend the rest of 2015 in the knowledge that you are insured for your diabetes.
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