| Diabetes mellitus is a chronic disease of absolute or | | | | debate on the issue of reasonable or equitable pricing. |
| relative insulin deficiency and resistance. It is | | | | Adverse Selection. |
| characterized by linear disturbances in carbohydrate, | | | | Health insurance companies are incorporated as profit |
| protein, and fat metabolism. Insulin transports glucose | | | | driven enterprises as such the concerns they have |
| into the cells for use as energy and storage as | | | | insuring diabetic patients gravitate around the concept |
| glycogen. It also stimulates protein synthesis and free | | | | of economic feasibility. Two acute metabolic |
| fatty acid storage in the adipose tissues. Insulin | | | | complications of diabetes are ketoacidosis and |
| deficiency compromises the body tissues access to | | | | hyperosmolar coma potentially costing an insurer |
| essential nutrients for fuel and storage. It is a | | | | thousands of dollars immediately after placement or |
| progressive disease leading to many complications and | | | | inception of a new policy. These life threatening |
| what is worst is once you are diagnosed with the | | | | conditions require immediate medical intervention and |
| condition finding an insurance company to cover you | | | | can happen without warning to a diabetic patient at |
| seems like trying to find water in a dessert. | | | | any given time. Patients with diabetes mellitus also |
| Insuring a Diabetic Patient is Difficult. | | | | have a higher risk for various chronic illnesses affecting |
| Diabetic patients applying for health insurance in the | | | | virtually all body systems. The most common chronic |
| individual private healthcare market usually encounter | | | | complications include cardiovascular disease, peripheral |
| many financial obstacles to afford adequate coverage | | | | vascular disease, retinopathy, nephropathy, diabetic |
| and in most cases are prevented from obtaining a | | | | dermopathy, and peripheral autonomic neuropathy. All |
| policy altogether if he or she has not met stringent | | | | these co-morbid conditions have a propensity to reach |
| requirements mandated by HIPPA. Recent legislation | | | | expenditures over triple digits costing a fortune to the |
| has enacted mandates to provide assistance for | | | | administrator of a proposed plan. Nearly two thirds of |
| applicants applying for health insurance with certain | | | | persons with diabetes die because of cardiovascular |
| preexisting conditions including diabetes but most of | | | | disease. It is also the leading cause of renal failure and |
| these laws will not have any positive impact for a | | | | new adult blindness. |
| diabetic until the year 2014 and there is still much | | | | |