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The Question
05/31/09 09:35 PM

"Can Type 1 diabetics get health insurance under the American with Disabilities Act?"
Asked By: dilish  
Category: Insurance and Financial Issues

Background Info Hide
Type 1 diabetic son just graduated from college and does not yet have a job with health benefits and I think he will be discontinued from my plan next month. COBRA is very expensive and I am looking for other options for him. Supplies are expensive and I also worry about hospitalization.

Expert Answers (1)

06/13/09 08:55 AM

The Americans With Diabilities Act was created to allow fair treatment for people with disabilities. It will alow a person with a disability to be offered the same insurance coverage from an employer as as every other employee. In other words, you cannot be denied insurance because of a disability. Pre-existing condition clauses may still apply however. This being said, there are many patient assistance programs for people with diabetes. The Health Resources and Services Administration is a group of nation-wide community run facilities that offer low cost health care. You can call 1-800-400-2742 for more information. Also almost all drug companies have patient assist programs.
Answered By: susan sloane
Accreditations: B.S.,Rph.,C.D.E.,Nutritionist
Sources Show

Community Answers (1)

10/16/09 02:30 PM

Many companies offer full conversion for a "child" coming off a parent's plan - most with no waiting period. Some companies are now offering a limited benefit plan (some are guaranteed issue). Some standard plans will take diabetics who have very good control (surcharged, of course) and most states have a "high risk" plan available.
Answered By: leadsinger
FLAG
SourcesShow



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*** All information contained on dLife.com is intended for informational and educational purposes only. Our Expert Q&A is not intended to be a replacement or substitute for consultation with a qualified medical professional or for professional medical advice related to diabetes or another medical condition. Please contact your physician or medical professional with any questions and concerns about your medical condition.

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