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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: Young Montrealer managing chronic illness with hospital support program CityNews Montreal Type 2 diabetes patients more likely to develop schizophrenia, Israeli researchers find The Times of Israel Delhi cardiologist shares 4 foods that must never enter your home: 'Nothing but sugar bombs that push towards diabetes' | Health Hindustan Times Former Amazon Care Executive Dr. Sunita Mishra Joins GlobeNewswire United States Insulin Pump Market Outlook and Company GlobeNewswire Scientists identify new 'type 5' diabetes Live Science Type 2 Diabetes Resource Center Everyday Health Beyond insulin: Diabetes has an unseen emotional toll in Atlantic Canada PNI Atlantic News Mark World Diabetes Day with St. Martha’s Regional Hospital Nova Scotia Health Serum lipids may predict early diabetes risk American Society for Biochemistry and Molecular Biology Chemists design candidate drug against diabetes Medical Xpress Diabetes exacerbates myasthenia gravis by enhancing pathological thymic output via the GPR183-7α,25-OHC axis Journal of Neuroinflammation Type 2 Diabetes Is Not One-Size-Fits-All: Subtypes Affect Complications and Treatment Options Carleton University Reducing hurdles to access type 1 diabetes cell therapies in Canada Breakthrough T1D Canada The gum disease, diabetes connection Harvard Gazette World Diabetes Day 2025 World Health Organization (WHO) Growing Neighborhood and Socioeconomic Factors Tied to Surge in Childhood Type 2 Diabetes Rates Pharmacy Times Scripps Research professor wins $3.2 million grant to unravel the mysteries of type 1 diabetes News-Medical Hinged total knee arthroplasty in two female patients with type 1 diabetes-associated charcot neuroarthropathy: case reports and a review of the literature series BMC Musculoskeletal Disorders Lipid profiles reveal sex differences in type 2 diabetes American Society for Biochemistry and Molecular Biology Sick Day Guidelines for Type 1 Diabetes Everyday Health Implementation and evaluation of clinical pharmacy services in elderly outpatients with poorly controlled type 2 diabetes: a single-center experience from Vietnam BMC Health Services Research Type 2 Diabetes Linked to Increased Risk of Late-Onset Schizophrenia European Medical Journal Beat diabetes naturally: Four superfoods scientifically proven that can keep your blood sugar in check The Economic Times Interrelationship of diabetic neuropathy, retinopathy and nephropathy in type 2 diabetes mellitus: a cross-sectional analysis BMC Ophthalmology Market Might Still Lack Some Conviction On Tandem Diabetes Care, Inc. (NASDAQ:TNDM) Even After 26% Share Price Boost simplywall.st Combination therapy shows improved health outcomes for teens with type 1 diabetes: Study University of Toronto Case report: fetal hemangioendothelioma in a pregnant patient with gestational diabetes mellitus SpringerOpen Diabetes Harvard University England’s successful diabetes prevention program as blueprint for Canada McGill University Health Centre A New Drug Slows the Worsening of Type 1 Diabetes and Has Sped up Work on a Full Cure Scientific American Poor glycemic control among people with diabetes mellitus is associated with tuberculosis infection: a cross-sectional study in Nepal BMC Infectious Diseases Effect of gestational diabetes on neurodevelopment outcome of the offsprings- Ma’an shan birth cohort study BMC Pediatrics AI-driven diabetes prevention matches human-led programs in clinical trial Digital Watch Observatory Painless diabetes patch to replace needle pricks University of Waterloo AI-Led Diabetes Program Could Help Prevent Type 2 Diabetes Inside Precision Medicine Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto Diabetes Prevention and Wellness Fair at Mississauga City of Mississauga Adolescent Blood Sugar Control in Teens With Type 1 Diabetes Linked to Later Complications Optometry Advisor Recent Developments in Retinal Disease MedPage Today Systematic validation of miR-503-5p abnormal expression in diabetic vascular complications: a meta-analysis and exploration of its targeted regulatory mechanism in retinopathy Diabetology & Metabolic Syndrome AI-powered diabetes prevention program shows similar benefits to those led by people Johns Hopkins University Diabetes: A Silent Threat—and How the American Red Cross is Taking Action North American Precis Syndicate, Inc. AI Program Matches Human Coaching in Diabetes Prevention European Medical Journal Semaglutide - known as Ozempic - can be beneficial to people with type 1 diabetes McGill University Health Centre Diabetes prevention: Could AI be as good as humans? statnews.com Innovent, Lilly's mazdutide trumps Novo's semaglutide in head-to-head diabetes, weight loss study Fierce Pharma Obesity Rate Declining in U.S. Gallup News Diabetes and Brain Health: Know the Link The Indian Express How cooling rice could lower your blood sugar (if you use it right) The Times of India The silent risk factors of heart and brain: Hypertension, diabetes, and high cholesterol The Times of India WHO updates list of essential medicines to include key cancer, diabetes treatments World Health Organization (WHO) Air Pollution’s Impact on Birth Weight and Gestational Diabetes European Medical Journal Diabetes Awareness Month ECU Health Ice cream for people with diabetes: Know its effects on blood sugar and smart consumption tips The Times of India How early menopause impacts heart health in women with type 2 diabetes; know its effects The Times of India US obesity rate falls for the first time in years, but diabetes hits an all-time high, data says Scripps News How bad oral health could be silently fueling diabetes, heart attacks, and lung problems The Times of India Tirzepatide Linked to Better Heart Outcomes Than Semaglutide in MASLD, Obesity and Diabetes Cleveland Clinic Trials of a New Cell Therapy for Type 1 Diabetes - UHN University Health Network - UHN The 2,000-Year Journey to Understanding Type 1 Diabetes—And What’s Next Scientific American National Pharmacare and type 1 diabetes Breakthrough T1D Canada |
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