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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: Doctor reveals 10 very early signs and symptoms of high blood sugar one should never ignore Times of India Diabetes? French biochemist shares a 'hack' to eat your favorite fast food without the fear of high sugar spike Times of India WHO updates list of essential medicines to include key cancer, diabetes treatments World Health Organization (WHO) Abbotsford couple to host annual diabetes fundraiser in Surrey The Abbotsford News Comprehensive care, food security, needed to combat diabetes in First Nations: health expert Northwest Ontario News New study determines that type 1 diabetes in children can be linked to other types of diabetes in parents McGill University Health Centre Combination therapy shows improved health outcomes for teens with type 1 diabetes: Study University of Toronto The Role of Exercise in Diabetes - Endotext National Institutes of Health (NIH) | (.gov) Type 2 Diabetes Resource Center Everyday Health MSF welcomes addition of new diabetes medicines to WHO Essential Medicines List Doctors Without Borders Painless diabetes patch to replace needle pricks University of Waterloo England’s successful diabetes prevention program as blueprint for Canada McGill University Health Centre The Sweet Embellishments of the Glucose Goddess McGill University Progression from gestational diabetes to type 2 diabetes can be predicted: Researchers University of Toronto USA: Release diabetic asylum seeker denied medical care Amnesty International Canada WHO Includes Popular Anti-Obesity Drugs On Essential Medicines List For Diabetes Control Health Policy Watch A snapshot of the latest research on diet, exercise, and more Center for Science in the Public Interest Diabetes Type 2 treatment: This diet reduces risk of diabetes better than only low-fat diet The Economic Times Some heroes wear lab coats: Edmonton's Dr. James Shapiro, award-winning, life-changing researcher Edmonton Journal AI-Enabled Bundle of Sensors, Coaching Aids Type 2 Diabetes Outcomes Endocrinology Advisor How important is it to you that your partner takes an active interest in your diabetes management? HealthCentral Targeting microRNAs in diabetic retinopathy: from pathogenic mechanisms to therapeutic potentials Frontiers Canadian powerlifter with type 1 diabetes continues to thrive with expert care from Sinai Health Sinai Health List of essential medicines increased The Portugal News Diabetes dietitian recommends four foods to lower blood sugar to non-diabetic level - Times of India New study suggests a shift in diabetes testing after pregnancy to improve women's health Sinai Health MSF responds to inclusion of rapid-acting insulin analogues and GLP-1s to WHO Essential Medicines List MSF Access Campaign Could Diabetes Drug Metformin Change Metal Levels in Your Blood? U.S. News & World Report Edmonton Protocol 25th Anniversary Celebration University of Alberta Patient groups cheer as the WHO adds diabetes and cystic fibrosis drugs to its essential medicines list statnews.com Impact of chronic stress on health: How it is linked to diabetes, heart disease and cancer CNBC TV18 Health Canada approves Tzield – the first ever disease modifying therapy for type 1 diabetes Breakthrough T1D Canada Surgeon reveals 9 causes behind persistent, bad breath: From uncontrolled diabetes, GERD, to gum disease | Health Hindustan Times Non-occlusive Acute Mesenteric Ischemia in an Adult Male Patient With Diabetic Ketoacidosis - Cureus New study reveals diabetes changes the shape of our hearts The University of Sydney New clinical practice guidelines for type 1 diabetes released Breakthrough T1D Canada Children with Type 1 Diabetes Face Increased Risk of Acute Leukemia, Study Finds - Medical Dialogues Two diabetes drugs cut risk of hospitalization for heart failure by 40 percent, study finds McKnight's Long-Term Care News Phillip’s diabetes story: “My whole life changed.” Government of Prince Edward Island Blood sugar–friendly fruits if you have diabetes Harvard Health Diabetic retinopathy in pregnancy Ophthalmology Times Diabetes and Depression National Institutes of Health (NIH) | (.gov) Stopping diabetes at the YMCA cihr-irsc.gc.ca Bears bring comfort to children with Type 1 diabetes Alberta Health Services Diabetes Care in the Digital Age: Addressing Telehealth Barriers in Older Adults Clinical Pain Advisor Error means 55,000 patients require diabetes retests after potential misdiagnoses Yahoo News New Zealand How AI might assist in diabetes treatment WPSD Local 6 6 tips to help reduce the risk of developing Type 2 diabetes Los Angeles Daily News Message from Dr. Norman Rosenblum on World Diabetes Day 2024: Empowering Global Health cihr-irsc.gc.ca Can Type 2 Diabetes Be Reversed? Yale School of Medicine “Keeping in Touch” to empower youth with type 1 diabetes in the transition to adult care cihr-irsc.gc.ca |
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