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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Affordable insurance for diabetic

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I am searching for information to obtain reasonable health insurance coverage for my 19 year old daughter who is Type 1 Diabetic. Blue Cross / Blue Shield in North Carolina is about $1300 per month and not affordable for our family.

A: Diabetics who are not dependant on insulin are eligible for "Secure STM" health insurance at a small fraction of the price of Blue Cross coverage. This is a reputable high quality comprehensive nationwide coverage with exceptionally high marks for consumer satisfaction, but the policy does not cover pre-existing medical conditions and you must re-apply for a new policy every six months.

 See "A Review of Secure STM" or "Health Insurance for Diabetics" for more information. In all states except the District of Columbia, insulin dependant diabetics without access to employer-provided group insurance can obtain health insurance through state assigned risk pools that are often not considered affordable. Limited benefit policies called "ValueMed" and "ValueHealth" at may be used as an affordable alternative to major medical insurance.

State-subsidized health insurance is available after a diabetic has been uninsured for six months under the recently authorized type of preexisting condition insurance coverage.


More resources:

article: "Health Insurance for Diabetics"