Diabetes and High Blood Pressure

In this article we will cover some of the basics of why diabetes and high blood pressure are such a red flag for Medicare Supplement Plans. If you are currently diagnosed with both of these conditions and unable to go through normal underwriting process we will explain your options.

Diabetes and High Blood Pressure - Health Concerns

Diabetes and high blood pressure are issues in themselves, but when you combined the two there is a worsening of many of the diabetes complications (Diabetic Eye Diseases and Kidney Disease). Several of the issues that can be worsened when these illnesses are in combination are:

  • Coronary Artery Disease
  • Strokes
  • Hardening of the arteries
  • Heart Failure and more

These conditions are what cause a Medigap Insurance Company to want to stay away from individuals with these conditions From the insurance company's perspective, these individuals are a ticking time bomb if they do not improve their health.

Medicare Supplement Quote - Health Questions

If you have been diagnosed with both diabetes and high blood pressure and are trying to apply for Medicare Supplemental Insurance most companies in most states will decline your application. There are certain states that are guaranteed issue year round; however, most states do not have these laws. If you are in a state that does ask health questions there are a few things you can do:

  1. AARP/United Healthcare asks less health questions than most insurance companies so they are an option if you have health issues, especially the diabetes and high blood pressure condition.
  2. BAI Guaranteed Issue Retiree Plan - this plan provides supplemental Medicare coverage and acts like a hybrid Plan F/Plan N. There are no health questions for this product and you can get a 1st of the month effective date.

Medicare Supplement Quote - Recommended Options

If you are looking for a Medicare Supplement Quote click here, this link will direct you to our Medigap Quote Engine. It provides you with quotes from over 25 Medicare Supplement Companies and online rates in less than two minutes. For a quick analysis of Medigap Plans it does not get easier.

These online rates do not guarantee acceptance of coverage. These online rates will help you determine what the pricing is like in your area and then one of our advisors can help you differentiate which plan would be best for you. If you have diabetes and high blood pressure a traditional Medicare Supplement many not be an option unless you are in your Open Enrollment Period or Guaranteed Issue Period.

A Medicare Supplement Advisor can assist you with your decisions at 1-877-759-5760.