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
10 Best Fruits to Eat When You Have Diabetes - Low-Glycemic Fruit for Diabetics - GoodHousekeeping.com
10 Best Fruits to Eat When You Have Diabetes - Low-Glycemic Fruit for Diabetics GoodHousekeeping.com
Type 1 Diabetes and the COVID-19 Vaccines Healthline
QUIZ: Managing blood sugar in type 2 diabetes Medical News Today
Metformin use reduces risk of death for patients with COVID-19 and diabetes, study finds - Science Daily
Metformin use reduces risk of death for patients with COVID-19 and diabetes, study finds Science Daily
Meet the bacteria that might help treat diabetes Medical News Today
Online class for diabetes patients Hanna Herald
Temporal Trends in Incident Hospitalization for Diabetes-Related Foot Ulcer in Type 2 Diabetes: The Fremantle Diabetes Study - DocWire News
Temporal Trends in Incident Hospitalization for Diabetes-Related Foot Ulcer in Type 2 Diabetes: The Fremantle Diabetes Study DocWire News
Diabetes Devices Market To Reach USD 41.34 Billion | Size, Share, Industry Analysis and Global Forecast to 2027 | - Medgadget
Diabetes Devices Market To Reach USD 41.34 Billion | Size, Share, Industry Analysis and Global Forecast to 2027 | Medgadget
Second year of the Montreal Heart Institute's Diabetes Prevention Clinic sponsored by Sun Life - Canada NewsWire
Second year of the Montreal Heart Institute's Diabetes Prevention Clinic sponsored by Sun Life Canada NewsWire
UT researcher finds increased first-trimester exercise could reduce risk of gestational diabetes - WBIR.com
UT researcher finds increased first-trimester exercise could reduce risk of gestational diabetes WBIR.com
We can't wait another 100 years to End Diabetes GlobeNewswire
Major Reduction in Risk of Heart Attacks in Patients with Diabetes Diabetes In Control
Coriander For Diabetes: Why And How To Include Coriander In Your Diabetes Diet (With Recipes) - NDTV Food
Coriander For Diabetes: Why And How To Include Coriander In Your Diabetes Diet (With Recipes) NDTV Food
Nurse brings unique perspective to diabetes education Brantford Expositor
CDC’s COVID-19 vaccine guidelines prioritize people with type 2 diabetes over type 1. Why? - PBS NewsHour
CDC’s COVID-19 vaccine guidelines prioritize people with type 2 diabetes over type 1. Why? PBS NewsHour
How to predict heart failure among patients with diabetes, prediabetes Cardiovascular Business
Efficacy and safety of low and very low carbohydrate diets for type 2 diabetes remission: systematic review and meta-analysis of published and unpublished randomized trial data - The BMJ
Efficacy and safety of low and very low carbohydrate diets for type 2 diabetes remission: systematic review and meta-analysis of published and unpublished randomized trial data The BMJ
Diabetes Drug Found Protective Against COVID-19 Precision Vaccinations
Changing mealtimes could prevent type 2 diabetes Open Access Government
Fish Intake, PUFA Levels May Mitigate GAD65 Antibody Diabetes Risk Endocrinology Advisor
Genes and diet can play a role in developing Type 2 diabetes Norton Healthcare
Study: Increasing Exercise During First Trimester May Reduce Gestational Diabetes Risk - Pharmacy Times
Study: Increasing Exercise During First Trimester May Reduce Gestational Diabetes Risk Pharmacy Times
UPDATE: Vernon student's missing medical device found – Vernon Morning Star Vernon Morning Star
Diabetes risk is shared between people and their dogs Medical News Today
Study: Sugar substitute doesn't lead to the development of diabetes in healthy adults - News-Medical.Net
Study: Sugar substitute doesn't lead to the development of diabetes in healthy adults News-Medical.Net
Towards a Cure: Carleton Research Team Working on Stem Cell Therapy to Reverse Type 1 Diabetes - Carleton Newsroom
Towards a Cure: Carleton Research Team Working on Stem Cell Therapy to Reverse Type 1 Diabetes Carleton Newsroom
Chaffee County Public Health Now Offering Diabetes Prevention Program - by Brooke Gilmore - The Ark Valley Voice
Chaffee County Public Health Now Offering Diabetes Prevention Program - by Brooke Gilmore The Ark Valley Voice
This Sugar Substitute May Protect You From Diabetes, Study Finds Eat This, Not That
Drug found to be safe and effective for treating patients with obesity and type 2 diabetes - News-Medical.Net
Drug found to be safe and effective for treating patients with obesity and type 2 diabetes News-Medical.Net
Association of gastric bypass surgery with risk of developing diabetic retinopathy among patients with obesity and type 2 diabetes in Sweden: An observational study - MD Linx
Association of gastric bypass surgery with risk of developing diabetic retinopathy among patients with obesity and type 2 diabetes in Sweden: An observational study MD Linx
University of Alberta research team believes a cure for diabetes is within reach - CKOM News Talk Sports
University of Alberta research team believes a cure for diabetes is within reach CKOM News Talk Sports
Lifecare : Lifecares EU funded project FORGETDIABETES featured in the Norwegian Diabetes Association's magazine "Diabetes" - Marketscreener.com
Lifecare : Lifecares EU funded project FORGETDIABETES featured in the Norwegian Diabetes Association's magazine "Diabetes" Marketscreener.com
Diabetes among senior citizens more prevalent in urban India: LASI report Down To Earth Magazine
Testosterone Therapy Could Reduce Diabetes Risk in Men with Low Testosterone - Endocrinology Network
Testosterone Therapy Could Reduce Diabetes Risk in Men with Low Testosterone Endocrinology Network
Blood sugar level fifth vital parameter for good health: Experts The Indian Express
Sernova Principal Investigator Presents Additional Positive Preliminary Safety and Efficacy Data from Ongoing US Phase I/II Cell Pouch Clinical Trial for Type-1 Diabetes - TheNewswire.ca
Sernova Principal Investigator Presents Additional Positive Preliminary Safety and Efficacy Data from Ongoing US Phase I/II Cell Pouch Clinical Trial for Type-1 Diabetes TheNewswire.ca
Exercise during the first trimester of pregnancy helps avoid gestational diabetes - News-Medical.Net
Letters to the Editor: Diabetes initiative an investment in SC health Charleston Post Courier
Majority of Diabetes Patients Would Adopt Remote Digital Monitoring Managed Healthcare Executive
Diabetes causes painful peripheral neuropathy in feet Chicago Sun-Times
Prediabetes, diabetes, and the risk of all-cause and cause-specific mortality in a Japanese working population: Japan Epidemiology Collaboration on Occupational Health Study - MD Linx
Prediabetes, diabetes, and the risk of all-cause and cause-specific mortality in a Japanese working population: Japan Epidemiology Collaboration on Occupational Health Study MD Linx
LiveSmart: Take Charge of Your Diabetes in 2021 St. Peter's Health Partners
Study finds link between gut microbes and Type 2 diabetes Harvard Gazette
12 Easy Lunches for Type 2 Diabetes Everyday Health
Diabetes continues to be an urgent health concern among Canadians even amidst the ongoing pandemic - Ipsos Research
Diabetes continues to be an urgent health concern among Canadians even amidst the ongoing pandemic Ipsos Research
Early Signs You Have Diabetes, According to Doctors Yahoo Canada Shine On
November is Diabetes Awareness Month St. Albert Today
What is diabetes? A comprehensive guide to lower blood sugar and manage the condition - Insider - INSIDER
What is diabetes? A comprehensive guide to lower blood sugar and manage the condition - Insider INSIDER
Diabetes Freedom Reviews - Diabetes Reversal Solution Diabetes Freedom By James Freeman Analyzed - GlobeNewswire
Diabetes Freedom Reviews - Diabetes Reversal Solution Diabetes Freedom By James Freeman Analyzed GlobeNewswire
Medical myths: All about diabetes Medical News Today
Opinion: It’s time to find a cure for diabetes Burnaby Now
Diabetes and kidney disease Macleans.ca
Tool to help manage COVID-19 patients with diabetes Medical News Today
Type 1 diabetes: Overview, symptoms, and treatment Medical News Today
Monitoring, treatment and control of blood glucose and lipids in Ontario First Nations people with diabetes - CMAJ
Monitoring, treatment and control of blood glucose and lipids in Ontario First Nations people with diabetes CMAJ
Mice with diabetes successfully treated with electromagnetic fields Medical News Today
COVID-19 and diabetes: a co-conspiracy? The Lancet
Don’t ignore diabetes symptoms because you’re afraid of catching COVID-19, doctors say - Global News
Ascensia Breeze Glucometer Rated
Simple Testing Over and Over* simple and easy testing. Simple single-function buttons are easy-to-use and easy to understand* No more having to use individual test strips.
Exercise & Diabetes
You are no doubt aware that exercise can help prevent the serious complications that often come with diabetes and heart disease. Research has repeatedly shown that regular physical activity helps reduce the likelihood of having a heart attack or a stroke, aids in weight loss, and improves mood.
Tools to Manage Your Diabetes
It's estimated that in the US, over 18 million people over the age of 20 have diabetes. If you happen to have been diagnosed with diabetes, make sure you're getting all the right diabetes treatment supplies.
Diabetes, A Bad Omen Or A Fresh Start?
So you've learned that you've got diabetes. Well after the initial shock, you're stuck with dealing with the lifestyle changes that come with your diagnosis.
Diabetes and its Management
Diabetes Mellitus is one of the most costly burdensome chronic diseases of our time and is condition that is increasing in epidemic population in the whole world. The complications resulting from the diseases are a significant cause of morbidity and mortality and are associated with failure of various organs such as the eyes, kidneys and nerves.
Get More Out Of Life While Managing Your Diabetes
When I was first diagnosed with Type 1 Diabetes at the age of 21, I had not given the first thought to living a healthy diabetic lifestyle. As far as I was concerned, a healthy lifestyle was reserved only for fitness junkies and overweight moms.
Diabetes Awareness: Family of Diabetics
Thousands, if not millions of people have diabetes in their family. It's almost tragic the way things happen because it's not always a "common knowledge" among families.
Diabetes Awareness: Will They Recognize You?
Imagine how it feels to look younger, feel younger, and act younger! Now, think about how others see you. Are you ready to make a lasting impression on your friends and family? Great!Taking charge of your diabetes through exercise can give you a younger look and feel not to mention ?? a younger attitude!As you read this message, remember this: You don't pay the price to improve your health, you reap the benefits of being healthy!Treatment of diabetes has gone through dramatic changes in the past two decades.
Improper pH Balance Increases Risk and Damage of Diabetes
THE RISKBlood sugar balance is critical to your body's proper functioning. Blood sugar (glucose) is the primary source of fuel for the body's cells and is particularly critical to the brain and the eyes.
Build Health: Want To Prevent Diabetes?
To prevent diabetes you will get a real jolt when you follow the prescription offered up in the "Journal of the American Medical Association."This 'prestigious' organization reported on separate studies of coffee drinkers in Sweden and Finland.
Revolutionary Lancet Device for Diabetic Glucose Testing
Now you can reduce the pain and inconvenience of testing. Unlike conventional lancing systems, the ACCU-CHEK Multiclix lancet device is the only 1 with a six-lancet drum.
Normal Blood Sugar Levels ARE Possible for a Diabetic!
What are normal blood sugar levels? Fasting (blood sugar level after not eating for 8 hours) blood sugar should be between 70 milligrams per deciliter to 100 mg/dL. Your blood sugar should not be above 100 at any given time; If it is, this suggests a pre-diabetes condition.
Protein Principles for Diabetes
Dietary considerations can present a Hobson's choice in diabetes. Even when the intake is nutritious, assimilating it can be another matter.
What You Need To Know About Diabetes
INTRODUCTIONAccording to the World Health Organization, a few decades back diabetes was an uncommon disease, in both developed and developing countries. Today, the story is different.
Do You Have Diabetes? Symptoms Of Diabetes And How To Address Them
Diabetes mellitus is a condition resulting from the pancreas' inability to produce enough insulin, which is needed by the body to help create energy. A deficiency of or ineffectiveness of insulin leads to high glucose levels in the blood, thus, leading to this illness.
Exercise - The Only Hope for Diabetes!
Why is it that the smallest paragraph in diabetes prevention magazines is about exercise? Exercise is probably the only hope for the diabetes crisis. If you have diabetes or some one in your family tree does, beware! You really have one choice, keep moving.
Medical Supply Cases for Insulin and Diabetics
Medical supply manufacturers are continuously conceptualizing medical supplies needed by people who are in delicate health condition - medical supplies that may enable the patient to lead a life with at least a semblance of normalcy.Diabetic patients are one of these people who are in delicate health condition.
Locating Diabetic Supplies to Manage Diabetes
In the United States there are around 17 million people with diabetes. Each of these people need certain Diabetic Supplies.
Diabetic Neuropathy, a nerve disorder caused by diabetes, is characterized by a loss or reduction of sensation in the feet, and in some cases the hands, and pain and weakness in the feet. The symptoms of diabetic neuropathy vary.
Diabetes And The Long Term Dangers
Diabetes has hidden dangers that begin before diagnosis and continue to worsen if certain steps are not taken to prevent the complications that are the true, "killers" in terms of diabetes.Statistics show that there are around 18 million diabetics in America, both Type 1 and Type 2.
|home | site map|
|©Asteroid Search 2019|