hi guys.

i am graduating from college in may and will be going to work for a small community organization which does not provide health insurance benefits. i am diabetic, so i need to find a way to get health insurance. my primary concern is finding one that will pay for insulin.

any ideas would be greatly appreciated. thanks.

hi guys.

i am graduating from college in may and will be going to work for a small community organization which does not provide health insurance benefits. i am diabetic, so i need to find a way to get health insurance. my primary concern is finding one that will pay for insulin.

any ideas would be greatly appreciated. thanks.

Veej:

:nono: You may want to squash the idea of working for a small community organization because, it very hard to get on individual insurance plans when you have an existing health problem. :wave: I have went through this hellish insurance delimma before and its not fun. Good Luck! :angel:

hi guys.

i am graduating from college in may and will be going to work for a small community organization which does not provide health insurance benefits. i am diabetic, so i need to find a way to get health insurance. my primary concern is finding one that will pay for insulin.

any ideas would be greatly appreciated. thanks. The problem is this: buying your own health insurance coverage is very expensive. Why? Because you are a risk pool of one. Keep in mind that insurance companies are in business to make money for their stock holders...NOT to pay out money to doctors & hospitals. They are essentially betting that you WON'T fall ill, when they agree to insure you. They use actuarial tables to determine the level of risk (ie, the chance that you will fall ill) and charge a premium according to that risk. Yeah...this means they're taking your money (monthly premiums) betting that they don't hafta give any back.
The more likely it is that you WILL use the insurance, the higher the monthly premium. And because you are buying it for yourself, and have no co-workers to spread the risk, it will COST you! :(

If you are commited to going to work for an employer who cannot give you health insurance, look around for a Public Health Department clinic, A community (grant funded) clinic, or other publically funded clinic which offers free or sliding scale services. Also, check with your college clinic and find out how long you can receive services there after graduation.

Depending upon your starting salary with this employer, you may actually qualify for Medicaid (state sponsored health insurance for the poor). Check it out.

Bottom line: start saving up for insulin supplies :eek:

**WARNING**there are more and more instances of bogus insurance companies popping up across the country. They are unlicensed (any health insurance company purporting not to need a license in your state in order to do business is LYING) and simply take your money with no intention of providing medical coverage of any kind. When they are finally confronted, they melt into the night and take your money (and lots of other people's too) with them. They are out and out thieves. IF you check around and find a company who is eager to insure you for 15-20% less than any other BEWARE!! Check with your state insurance commissioner's office for review of this insurer before giving them anything.

And in the next election, vote FOR the candidate who believes that health coverage in this country should be a right and not simply a privilege.