Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

Covered California Q&A

Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

I'm Diabetic With No Insurance. What can I do?

By on | No Comments

QUESTION: My husband's job does not provide health insurance. We had regular insurance for him until COBRA ran out. He went to a limited benefit health plan but the plan has gone under. Is there a plan, any plan, that would cover my husband? Indiana does have a high risk insurance pool - We'd have to pay about $800.00 per month for it - we can't afford it.

ANSWER: Your husband will not be able to purchase affordable health insurance until January, 2014, but with a little planning you can help him get there in good shape without health insurance and hopefully without huge medical expenses as well. To avoid catastrophic medical expenses over the next 3 plus years, you'll have to make sure that he watches his diet, keeps his weight down, and gets regular exercise. He also needs frequent doctor visits for preventive care. People without insurance usually cut back here and it's really stupid. He could see his doctor every month and your cost would be still lower than the insurance premium for a healthy man his age, Also you mentioned he takes the following prescription meds: Simcor, metformin, and trandolapril. The Simcor is a relatively expensive brand name drug for lowering cholesterol. It is simply the generic drug simvastatin including timed release niacin. Ask his doctor to prescribe the generic simvastatin and buy the niacin over the counter. You'll save over $100 per month doing it that way, Please read my article, 7 Ways to Get Cheaper Prescription Drugs.

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164

© 2022 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.