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July 11, 2005

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I am not aware of a single carrier that will issue individual coverage for a Type I diabetic. (Exception would be in the "guaranteed issue" states).

This is true for STM and for traditional major medical. Type I diabetics are one of those uninsurable conditions. There are carriers that will issue modified hospital/surgical plans which is slightly better than no coverage at all but not the optimum.

COBRA, the state high risk pool (if they reside in a state with such a pool) or a conversion policy are other options.

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