Justin Delgado is husband to Kacie Doyle-Delgado, diagnosed at age 11. After more than a decade together, he considers himself to be an expert carb counter and Dexcom inserter. He graduated with his Master of Science in Finance from the University of Utah in 2013 and has been working in commercial banking since then. He attended his first Friends for Life conference in 2015 and is looking forward to volunteering with the teens.
June 6, 2003
Question from Duluth, Georgia, USA:
My husband is self employed, and we were out of the country for a while because of business. Having just returned, we tried to buy health insurance for our family, but my son has been denied because of his diabetes! Is this a common problem? What can we do about it?
You are faced with a difficult problem. Georgia offers few protections for individuals and the self-employed who need health insurance. Issuers are allowed to medically underwrite membership in their policies. Many states permit self-employed individuals to have the same market reform protections offered to small groups, but even here, you would likely find your son would face a year long pre-existing exclusion or waiting period before the insurance would cover costs of diabetes treatment.
A couple of ideas: first would be the State’s child health insurance program. This program has income limitations, probably about 200% of the poverty line. Another alternative would be to seek out employment with an employer who offers health insurance.