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Insurance and Kids with Diabetes—Parents Pay the Price
Compared to families unaffected by diabetes, families with a child with type I diabetes have similar rates of insurance coverage, according to a recent study. But out-of-pocket medical expenses are 56 percent higher for families with a child with type I diabetes.
Approximately 17 percent of the families with a child with type I diabetes (compared to less than five percent of families unaffected by diabetes) had out-of-pocket expenses exceeding 10 percent of the family's annual income. When viewed as a percentage of the annual household income, health care expenses were almost two times higher for families with a type I child.
Published in the April 1997 Diabetes Care, the study also found that the burden is heaviest for families with a child with diabetes earning less than $20,000 a year. These families averaged out-of-pocket expenses close to 10 percent of their annual income.
Approximately 92 percent of families making over $20,000 per year and those making under $10,000 had insurance coverage. But only 52 percent of children with diabetes born to families making between $10,000 to $19,999 have full-year coverage.
Just over eight percent of families affected by diabetes reported being refused coverage versus approximately two percent of families without diabetes.
Categories: Diabetes, Health Insurance, Kids & Teens, Type 1 Issues
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Diabetes Health is the essential resource for people living with diabetes- both newly diagnosed and experienced as well as the professionals who care for them. We provide balanced expert news and information on living healthfully with diabetes. Each issue includes cutting-edge editorial coverage of new products, research, treatment options, and meaningful lifestyle issues.
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