Type 1 and type 2 diabetes and insurance coverage

by Admin | May 24, 2011

If you just found out that you have diabetes, there are a variety of factors that you will need to start to consider including proper treatment and maintenance as well as insurance coverage benefits that you can receive.

However, one of the first things that you will want to find out is whether you have Type 1 or Type 2 diabetes. This article will explore the differences between the two types of diabetes as well as how seniors can potentially cover treatment costs for this illness.

Insurance Coverage for Diabetes

Since diabetes is a condition that is growing rapidly in scope, proper insurance coverage is very important.  In 2010, almost two million people were diagnosed with diabetes. In fact, this is the fastest growing illness in the United States. Luckily, most seniors with diabetes have some sort of insurance coverage. It is usually either through a private company or provided through Medicare.

Considering Medicare and/or Medicare Supplemental Insurance

Medicare provides insurance coverage to those who have disabilities or are over 65.  This plan offers a variety of benefits that cover diabetics. For example, Medicare Part B is an optional service that provides diabetes screenings, training for self-management and assistance with diabetic test supplies.

Medigap is Medicare Supplemental Insurance Recommended for Seniors

There is also a program galled Medigap that provides Medicare Supplement insurance. This program helps pay for copayments, coinsurance and Medicare deductible. If there are gaps in the Medicare coverage, Medicap handles them. Not all Medicap programs are available in all states. Keep in mind that Medicare doesn’t pay for the costs of Medicare Supplemental Insurance, so you will be responsible for handling that on your own.

No Matter What Type of Diabetes You Have, Good Insurance Coverage is a Must!

Type 1 or Type 2 diabetes have a variety of similarities, as well as a variety of differences as well. In the case of Type 1 diabetes, the body cannot produce insulin any longer. In fact, the body attacks the pancreas, as it doesn’t recognize it as an organ that should be in the body. Sometimes Type 1 diabetes results from a virus.  

Type 1 Diabetes Versus Type 2 Diabetes

When many people consider a diabetes diagnosis, they immediately think that the patient will be overweight. However, the fact is that those with Type 1 diabetes can be very thin. Of all the diabetics in the U.S., those with Type 1 diabetes make up about 10 to 15%.

If it turns out that you have Type 1 diabetes, you will need to start taking insulin injections.  Type 1 diabetes is more common in younger people; in fact, it is sometimes called “juvenile diabetes.” It usually is diagnosed before the age of 40.

If you are a senior who has been diagnosed with diabetes, you likely have Type 2 diabetes. This is sometimes called “adult onset diabetes.” However, children do get this condition as well. While Type 2 diabetes is different since the pancreas remains intact, the body has trouble moving sugar out of the bloodstream.  While the body has insulin, it just doesn’t work efficiently. This issue results in high blood sugar levels.

Controlling Type 2 Diabetes Through Lifestyle Changes

Type 2 diabetes sometimes is treated through proper diabetic nutrition choices and exercise. Oral medications can also be very beneficial, and weight loss can also assist tremendously with this condition. However, those with Type 2 diabetes can also be placed on insulin. Type 2 diabetes can lead to a variety of other conditions including heart disease. Therefore, doctors must keep their eye on a patient’s blood pressure and cholesterol levels.

The Cost of Diabetes and Insurance Coverage

No matter whether you have Type 1 or Type 2 diabetes, the costs for treatment and supplies can definitely add up. There are a variety of tests and medications, and you will be responsible for maintaining necessary supplies.  Therefore, it is important to look into the costs that your insurance covers. The good news is that Medicare and Medicare Supplemental insurance covers many of these expenses.




  • My father had to move out of the retirement community he was living in. I didn’t know what to do. I found a new one in the same city with an opening the very same day on SeniorInsider.com. Thanks!

    Doug J


  • I was in need of resources for caregivers and stumbled on your site. You answered a lot of the questions I had about taking care of my aging mother. What a wealth of knowledge, all in one place.

    Lisa Z


  • I saved so much time thanks to your valuable resources on this site. We need more resources like yours on the Internet. I'll be sure to refer anyone who is looking for senior related information to you.

    Jeana M


  • I was having a tough time understanding all the legal issues (probate, trusts, living wills, etc.) until I found SeniorInsider.com. You put everything into terms that I can easily understand.

    John R


Connect With Us

If you’d like to receive FREE information on a range of topics of interest to seniors, fill out the form below:

Please send me:

Free Senior’s Guide

Receive a Free Senior Living Insders Guide!

Free Senior’s Guide
Free Newsletter

Receive periodic news relating to active senior living!

Free Newsletter
Money Saving Deals

Get money saving deals and Special Offers for Seniors!

Money Saving Deals