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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.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Diabetic coverage update

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 applied for Mega Life and Celtic Insurance and was declined because I am diabetic. What other options are available?

A: First of all, Celtic does not decline insurance applications. If you were not eligible then your application was withdrawn. It sounds like a minor detail, bit it has significant implications to you. We cannot speak for Mega Life, but most insurers follow a similar procedure because of the harsh treatment of those who have been declined. (Do a search for related articles on this topic at if this is an important issue in your case) . Your best bet is to review the article "Health Insurance for Diabetics" at that summarizes all of the ways diabetics find health insurance in the U.S. and includes links to additional resources. This article was just recently updated with the latest news and trends


More resources:

article: "Health Insurance for Diabetics" article: "Declined for Coverage"