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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
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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.