One of the most common chronic diseases is diabetes. When this condition isn’t adequately managed, it’ll eventually result in serious health issues (e.g., vision loss, heart disease, kidney disease) and may even be life-threatening. Unfortunately, there’s no way of knowing whether you’re susceptible to diabetes since there are a lot of factors to take into consideration (e.g., genetics, weight, age, family history, and lifestyle). Therefore you’ll want to make sure that your health insurance plan covers this disease. Doing so allows you to invest in yourself in case any unforeseen circumstances arise. This is just one of the many reasons to do so. Here are a few other things you should look for in your health insurance plan.
Make sure that it includes a condition management program.
Chronic illnesses like diabetes make it challenging to lead a normal life. Therefore you should look for a health insurance plan that includes a condition management program. This will help you track your current health while also being rewarded for any positive improvements you make in your health. These rewards may include things like discounts on your renewal premium so that you pay less for your health insurance next year.
Look for a health insurance plan that offers unlimited telehealth consultations with various specialists.
When you have the opportunity to take advantage of these sessions, you’ll be able to take better care of your health. This is because your healthcare is completely covered and easily attainable. It’s also nice to know that you have all-around protection for your health whenever you want or need it, regardless of where you’re located.
You’ll have your annual health checkup paid for.
Major plans allow you to see your doctor for an annual checkup without paying for it out of pocket. This coverage starts the first day you open your policy. To be proactive about your health, you’ll want to make sure that this is something that’s included in your plan.
Make sure that your health insurance has a short waiting period.
Things like diabetes are considered pre-existing conditions. Depending on the insurance provider, if you have such a condition, you may have to wait between two to four years. Some customers are also quite limited in the plans that they can choose from. This is why it’s important to take your time and do your research to ensure that the plan you choose doesn’t have these restrictions. Make sure that if there’s a waiting period that it’s a short one – for instance, around 90 days instead of several years. After all, you never know when you may become sick or get into an accident and really need your insurance.
Everyone needs a health insurance plan. Even if you already have one in place, you’ll still want to review it. These are things you should take care of as soon as possible. At the Gemini Insurance Company in Palm Harbor, FL, we can help you with this, so make sure to reach out to us at your earliest convenience.
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