Diabetes mellitus is really a serious disease of absolute or relative insulin deficiency & prevention. It’s seen as a linear disorder in carbohydrate, protein, & fat metabolic process. Insulin transports glucose to the cells for use as energy & storage as glycogen. Additionally, it stimulates protein synthesis & free essential fatty acid storage in the adipose tissues. Insulin deficiency compromised the body tissues assess to essential nutritious for fuel & storage. It’s a progressive disease leading to many complications and what’s worst is once you are diagnosed with the conditions finding an insurer to cover you seems like trying to find water in a dessert.
Protecting a Diabetic Patient is Hard.
Diabetic patients applying for health insurance plan in the individual private healthcare market generally encounter many financial obstacles to afford adequate coverage and in most cases are prevented from obtaining a policy altogether if they hasn’t met stringent requirements mandated by HIPPA.
Recent legislation has enacted mandates to provide assistance for applicants applying for health insurance plan with certain preexisting conditions such as diabetes but most of these laws will not have any positive impact for a diabetic before year 2014 and there’s still much debate on the issue of reasonable or fair pricing.
Adverse Selection.
Health insurance plan companies are incorporated as profits driven enterprises as such the concerns they’ve insuring diabetic patients gravitate around the concept of economic feasibility. Two acute metabolic complications of diabetes are ketoacidosis & hyperosmolar coma potentially costing an insurer 1000s of dollars soon after placement or inception of a new policy.
These life-threatening conditions require immediate medical intervention and can happen without warning to a diabetic patient at any given time. Patients with diabetes mellitus also have a higher risk for various chronic illnesses affecting virtually all body systems. The most common chronic complications include cardiovascular disease, peripheral vascular disease, retinopathy, nephropathy, diabetic empathy, & peripheral autonomic neuropathy.
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