For people with chronic conditions like T1D and T2D, basic health insurance may not be enough. Even with good diabetes health insurance, the cost of primary care, endocrinologist visits, lab work and prescriptions can be too high for many people.
This is why many people enroll in a supplemental health insuranceplan that helps fill gaps left by private health insurance for diabetes. Since supplemental plans are meant to help with specific types of coverage, there are many to choose from, including:
- Hospital insurance.
- Disability insurance.
- Accident insurance.
- Vision insurance.
You may also be able to purchase a critical illness insurance (also called “Life and Critical Illness Insurance”) depending on the type of diabetes you have and how controlled it is.
Some supplemental policies, for example, only provide coverage for type 2 diabetes and will not cover people with type 1 diabetes. Other critical care insurance plans will cover T1D but only under certain conditions.
However, even the plans that do not cover diabetes-related care may cover other conditions that may happen as a result of diabetes, including:
- Certain surgeries.
- Heart valve replacement.
- Certain vision problems.
- Loss of independence.