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Question: From Duluth, Georgia, USA: My husband is self employed, and we were out of the country for a while because of business. Having just returned, we tried to buy health insurance for our family, but my son has been denied because of his diabetes! Is this a common problem? What can we do about it? Answer: You are faced with a difficult problem. Georgia offers few protections for individuals and the self-employed who need health insurance. Issuers are allowed to medically underwrite membership in their policies. Many states permit self-employed individuals to have the same market reform protections offered to small groups, but even here, you would likely find your son would face a year long pre-existing exclusion or waiting period before the insurance would cover costs of diabetes treatment. A couple of ideas: first would be the State's child health insurance program. This program has income limitations, probably about 200% of the poverty line. Another alternative would be to seek out employment with an employer who offers health insurance. DSH DTQ-20030530184112 Original posting 6 Jun 2003 Posted to Insurance/Costs

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			Jump to a new section --[ Getting Around ]-- Home Page What's New Privacy Policy Search --[ People ]-- Family Support Network Adults with Diabetes Care Photos Chat Rooms Conferences Kids with Diabetes Parents Parent Humor Scholarships and Financial Aid Grandparents Humorous Tidbits Jobs Mailing Lists CWD Forums Poetry and Art Videos Polls Quilt for Life Surveys Blogs --[ Clinic ]-- Ask the Diabetes Team Alternate Site Testing Alternative Treatments Care Suggestions CWD Español Diabetes Basics Diabetes at School 504 Plans Diabetes Camps Diabetes Dictionary Insulin Pumps Nutrition Podcasts Presentations Products Product Marketplace Sports Studies Warning Signs --[ Sources ]-- News and Information Diabetes Advocacy Links to Other Web Sites Press Releases Regional Information Services Support Groups --[ Feedback ]-- About CWD Advertise Awards Contribute Your Experiences Disclaimer Letters to the Editor Logos and Linking Share our Brochures

Last Updated: Tuesday April 06, 2010 15:09:45
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