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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: Barbie® Introduces First-Ever Barbie Doll with Type 1 Diabetes to Expand Representation and Inspire More Children Mattel Corporate 1 in 3 teens have prediabetes, new CDC data shows - ABC News - Breaking News, Latest News and Videos 1 in 3 teens have prediabetes, new CDC data shows ABC News - Breaking News, Latest News and Videos The Underrated Proteins You Should Be Eating If You Have Diabetes, According to a New Study EatingWell The Role of Exercise in Diabetes - Endotext National Institutes of Health (NIH) | (.gov) Barbie introduces 1st doll with Type 1 diabetes ABC News - Breaking News, Latest News and Videos In photos: Edmonton Protocol Celebrates 25 Years University of Alberta U.S. Senator Katie Britt Advocates for Sustained Scientific Research to Treat Type 1 Diabetes Senator Katie Britt (.gov) Wristband Sensor Provides All-in-one Monitoring for Diabetes and Cardiovascular Care UC San Diego Today Wearable Sensor Tracks Multiple Biomarkers of Diabetes and Heart Health Inside Precision Medicine Network meta-analysis of randomized control trials evaluating the effectiveness of various probiotic formulations in patients with type 2 diabetes mellitus Diabetology & Metabolic Syndrome Unraveling connections between diabetes and cancer: Insights from metabolism research at City of Hope The Cancer Letter Painless diabetes patch to replace needle pricks University of Waterloo Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto Barbie introduces its first doll with Type 1 diabetes. How to buy The Providence Journal Women with Type II Diabetes Twice as Likely to Have Hidden Heart Damage Inside Precision Medicine Can This Psoriasis Drug Prevent Type 1 Diabetes? HealthCentral Michigan youth call on Congress to renew Special Diabetes Program funding ClickOnDetroit | WDIV Local 4 New wristband offers real-time insights for diabetes and heart health Medical Economics Barbie just released a doll with diabetes. Here's why a B.C. content creator is calling it 'incredible' Vancouver Sun Barbie Gets Real: New Doll Features Type 1 Diabetes Gear 107.5 Kool FM Good medicine, good economic policy Salish Current Diabetes World Health Organization (WHO) New study suggests a shift in diabetes testing after pregnancy to improve women's health Sinai Health Barbie with Type 1 Diabetes Makes Her Debut, Comes with Pink Glucose Monitor and Insulin Pump People.com Maternal coronary heart disease and mortality following hypertensive disorders of pregnancy and/or diabetes BioMed Central Digital Diabetes Management Market to Reach USD 26.29 GlobeNewswire Mattel's type 1 diabetes Barbie doll wears an insulin pump and glucose monitor. Here's her origin story Fast Company Hidden heart risks exist in women with type 2 diabetes Medical Xpress Diabetes-Condition Inclusive Dolls Trend Hunter Starting Statins Early Could Be Heart Smart for T1D HealthCentral Health Canada approves Tzield – the first ever disease modifying therapy for type 1 diabetes Breakthrough T1D Canada Tandem Diabetes, Solventum, LeMaitre, UFP Technologies, and Artivion Stocks Trade Down, What You Need To Know FinancialContent CDC finds nearly 1 in 3 U.S. youth have prediabetes, but some experts are questioning the data CBS News New Article from Brusco Vision Offers Clear Answers for Patients and Reporters about Cataract Surgery and Diabetes Milwaukee Journal Sentinel Maternal Pro-Inflammatory Diet During Pregnancy Linked to Increased Type 1 Diabetes Risk in Offspring Pharmacy Times Type 5 diabetes is a newly recognised disease – here are all the types of diabetes you need to know about The Conversation Mattel introduces first Barbie with type 1 diabetes. Here's where to buy the new doll Austin American-Statesman Meet the new Type 1 diabetes Barbie doll Deseret News Strength training for diabetes: How weight lifting helps manage type 2 diabetes - The Times of India Diabetes and Depression National Institutes of Health (NIH) | (.gov) New clinical practice guidelines for type 1 diabetes released Breakthrough T1D Canada ‘Sweat, spike, solve’: Research suggests a new strategy for people with Type 1 diabetes to lower blood sugar after exercise University of Alberta Management of Diabetes and Hyperglycemia in Hospitalized Patients - Endotext National Institutes of Health (NIH) | (.gov) Message from Dr. Norman Rosenblum on World Diabetes Day 2024: Empowering Global Health cihr-irsc.gc.ca Stopping diabetes at the YMCA cihr-irsc.gc.ca Dear Doctor: Can vitamin D help people with high-risk pre-diabetes avoid developing overt diabetes? OregonLive.com |
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