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Diabetes Information |
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I Have Diabetes or Another Chronic Condition - Should I Use an HSA?
Health Savings Accounts (HSAs) are becoming quite popular for people who are generally healthy. But what about sick people? What about people who have chronic conditions like diabetes, multiple sclerosis or the like? Does an HSA make sense for them? The short answer is yes. One of my clients is a diabetic. She is very careful about what she eats and she takes her insulin regularly. She has a tremendous amount of energy and a great outlook on life. She's in her late fifties. She asked me about the high-deductible health insurance policy and the HSA in my book. We began to work the numbers together. With a high-deductible plan, she would definitely be paying out-of-pocket for insulin and other supplies every month, to the tune of over eighty dollars. But, on the other hand, she would save $250 on a reduced premium payment. Once we did the calculation, she and I realized that it made perfect sense for her to switch to a high-deductible policy and use an HSA. Even after paying for her diabetic supplies, she was saving $170 every month, which amounted to $2,040 a year. What could you do with $2,040 a year, given to you just for changing your insurance policy? I can think of lots of uses. My client has also thought of lots of uses for that money, believe me! (I think she's saving it for a nest egg.) Now, whenever she sees me, she points and says "You're the guy who saved me $250 a month!" That's a great feeling. If you have a chronic condition that requires pharmaceutical drugs or medical supplies or on-going doctor visits, please do this calculation for yourself. Compare the amount that you'd be paying out-of-pocket to the amount of money you'll save with a lowered premium payment each month. You might be pleasantly surprised! And, of course, if you have a relapse or a catastrophic health event, your insurance policy will kick in once you hit the deductible, and you'll enjoy full coverage after that. Health Savings Acccounts (HSAs) are a wonderful tool to help you reduce your health insurance costs. They are a perfect fit for the self-employed and the small business. And they are available today! Talk to your insurance agent, bank or financial advisor for more details. Who knows? You might have an extra $250 or more coming into your household next month! Daryl Kulak is the author of the book "Health Insurance Off the Grid - A Wonderful Way to Use Alternative Medicine and Save Money on Insurance Using the New Health Savings Account (HSA)." The book provides a nine-step plan to get your self-employed or small business health insurance costs under control using a unique approach you won't find anywhere else. The book is available for sale as an e-Book or paperback at the Website http://www.healthoffthegrid.com
MORE RESOURCES: Diabetes variant affecting malnourished gets named Taipei Times Death Rates from Chronic Diseases Dropped in Most Countries Scientific American Diabetes Canada celebrates 40 years of clothing donations DiscoverEstevan Scientists warn about type 5 diabetes: A scary disease that threatens young people and underweight people Gazeta Express Type 2 diabetes: Cannabis use linked to 4 times higher risk MedicalNewsToday After trial win, Lilly's Mounjaro primed for expansion in kids 10-17 with type 2 diabetes Fierce Pharma What it means to lose access to diabetes care: stories from people living with diabetes around the world MSF Access Campaign Combination therapy shows improved health outcomes for teens with type 1 diabetes: Study University of Toronto Nearly Half of People With Diabetes Don’t Know They Have It Everyday Health The Ultimate Food List for Diabetes Management and Blood Sugar Control Camara de Representantes Diabetes (r)evolution(s) MSF Access Campaign A Guide to Better Blood Sugar Control for Persons with Diabetes Camara de Representantes WHO updates list of essential medicines to include key cancer, diabetes treatments World Health Organization (WHO) Unmasking the Emotional and Behavioral Determinants of Glycemic Control in Diabetes Management Cureus Why Tandem Diabetes (TNDM) Stock Is Up Today FinancialContent Sana’s story: what conflict meant for access to diabetes medical tools in Lebanon MSF Access Campaign Using the Glycemic Index (GI) for Better Diabetes Management Camara de Representantes Marijuana use linked to increased risk of type 2 diabetes Yahoo News Canada Healthy plant-based diet may lower type 2 diabetes risk while reducing greenhouse gas emissions News-Medical 10 Key Reasons Dementia Is Linked With Diabetes ScienceAlert Lilly’s Mounjaro shows strong results in pediatric diabetes trial By Investing.com Investing.com Canada England’s successful diabetes prevention program as blueprint for Canada McGill University Health Centre Diabetes and pancreatic cancer: What’s the connection and why people with diabetes should pay attention to pancreatic cancer risk The Times of India Novo Nordisk partners with Pocketpills for online sales of Ozempic, Wegovy The Globe and Mail A Dietitian's Guide to the Glycemic Index for Diabetes Management Camara de Representantes Ocular biomarkers in diabetes mellitus with diabetic kidney disease: A minireview Baishideng Publishing Group Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto Diabetes Care Devices Market worth US$61.2 billion by 2030 with 12.3% CAGR | MarketsandMarkets™ Yahoo Finance How to Lower Your A1C: A Step-by-Step Plan for Diabetes Control Camara de Representantes Blood Sugar Support Supplements: An Honest Review for Persons with Diabetes Camara de Representantes Eli Lilly’s Diabetes Drug Tops Novo Nordisk’s Oral Pill in Trial The Wall Street Journal The Complete Guide to Regulating Blood Sugar for Type 2 Diabetes Camara de Representantes #EASD25: Lilly seeks Mounjaro approval for children with diabetes following Phase 3 hit Endpoints News The Best Breakfast Ideas for Persons with Diabetes Camara de Representantes Can You Reverse Type 2 Diabetes? A Look at the Evidence Camara de Representantes Millions have diabetes without knowing it ScienceDaily Orforglipron Surpasses Oral Semaglutide in 52-Week Diabetes Study Mexico Business News Type 2 diabetes may accelerate development of multiple chronic diseases, study suggests Medical Xpress Type 2 Diabetes: Key Factors Affecting Your Blood Sugar Camara de Representantes Bariatric Surgery Shows Greater Long-Term Benefits Than Weight Loss Drugs Technology Networks How to Prevent Blood Sugar Spikes: A Guide for Persons with Diabetes Camara de Representantes A Beginner's Guide to Understanding Type 2 Diabetes and Insulin Camara de Representantes Are Blood Sugar Support Supplements Safe? A Guide for Persons with Diabetes Camara de Representantes Beyond Borders: The Hidden Diabetes Crisis in India Beyond Type 1 Top 5 Low-GI Snacks for Persons with Diabetes Camara de Representantes Canadian powerlifter with type 1 diabetes continues to thrive with expert care from Sinai Health Sinai Health Common Myths About Diabetes and Glucose Levels, Debunked Camara de Representantes Common Myths About Blood Sugar and Diabetes Debunked Camara de Representantes Your First 30 Days with Type 2 Diabetes: A Management Plan Camara de Representantes Triple Dose of Semaglutide Enhances Weight Loss in Adults With Obesity, With and Without Diabetes Medscape The Ultimate Blood Sugar Chart: Normal Levels for Adults with and without Diabetes Camara de Representantes Smokers Significantly More Likely To Be Diagnosed With Diabetes Technology Networks |
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