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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: 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 Meet the bacteria that might help treat diabetes Medical News Today Online class for diabetes patients Hanna Herald 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 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 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 How to predict heart failure among patients with diabetes, prediabetes Cardiovascular Business 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 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 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 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 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 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 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 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 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 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 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 |
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