[Diabetes-talk] Insurance... Here we go again!!!

[Mike Freeman]

Bern:

It depends upon how your state's laws are written. In general, an 
insurance company *can* exclude those with a "pre-existing condition" 
such as diabetes. However, this is not allowed if you are a Federal 
employee and may not belowed in my state due to its Human Rights 
Statute, RCW49.60 et seq. Maryland may have similar statutes. If not, 
unless I miss my guess, the insurance company is within its rights to 
exclude you. Of course, the Ameircans with Disabilities Act might have 
something to say about this but I do not believe it applies to 
insurance, it not being a "place of public accommodation". By contrast, 
as I say, insurance *is* covered under our Washington state statute.

Hey! Move out here! We'd welcome you with open arms! (grin)

Mike

----- Original Message ----- 
From: "The Jacobs' Family" <bandbjacobs at verizon.net>
To: <diabetes-talk at nfbnet.org>
Sent: Monday, January 12, 2009 8:24 PM
Subject: Re: [Diabetes-talk] Insurance... Here we go again!!!


Hey Guys:

I was on the phone with an insurance broker this afternoon because I'm 
investigating supplemental insurance for my family and myself.  I was 
told that because of my diabetes, that I'm "Uninsurable."  How many of 
you guys have come up against this and how do ya get around this one? 
Of course, the guy couldn't tell me that I couldn't get insurance 
because of my blindness, at the risk of diving right into a sling.  So 
he had to claim that because of my diabetes, I was "uninsurable." 
Feedback???

Thanks a bunch guys.

Bern
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