What Is the Diabetes Health Care Team? Managing your diabetes takes a team — you, your parents, doctors, certified diabetes educators, dietitians, and mental health pros — working together to get the job done. Your diabetes health care team will help develop a treatment plan that’s made just for you. Also, the team can help you cope with some of the emotions and feelings that people with diabetes have to deal with. Who Is on the Diabetes Health Care Team? A pediatric endocrinologist (pronounced: en-duh-krih-NOL-eh-jist) is a doctor who specializes in caring for kids and teens with diseases of the endocrine system, such as diabetes and growth disorders. But pediatricians, family practitioners, and other medical doctors also treat people with diabetes. Doctors ask detailed questions about how you feel and do physical exams, which can include checking several parts of your body and taking your blood pressure. They also may check your diabetes records and your blood sugar level, and they may ask you for a urine (pee) sample. Your doctor can help teach you about diabetes and any other health problem you may have.

After getting treatment suggestions from other diabetes health care team members as needed, your doctor will write down what you need to do to manage your diabetes in a treatment plan, or diabetes management plan. Think of your doctor as your diabetes team coach who develops a game plan for managing diabetes. Doctors also write prescriptions for insulin and other medicines and can refer you to other specialists as needed. Don’t be afraid to ask your doctor questions, and make sure you understand the answers. If you’re uncomfortable asking questions in front of your parents, ask to speak to your doctor alone. Your doctor has probably heard it all, so you shouldn’t feel embarrassed or ashamed to ask about anything that’s on your mind. Certified diabetes educators have special training in helping people manage their diabetes. CDEs will talk to you about what diabetes is and how it affects the body.

Registered dietitians are experts in nutrition and meal planning. They can teach you about how food affects your blood sugar levels and make sure you’re getting enough food to grow and develop properly. When you meet with a dietitian, expect to answer a few questions about your eating habits and activity levels. Make sure to tell the dietitian if you feel like you’re not getting enough to eat, you think you’re eating too much, or you’re not happy with your food choices. You might feel uncomfortable talking to people with the words “mental health” or “therapist” associated with what they do. But diabetes can be a lot to deal with, and talking to someone who’s not your mom, dad, or doctor can help. Mental health professionals can be social workers, psychologists, psychiatrists, or counselors. They’re a great resource for people coping with diabetes. Maybe you’re frustrated because you feel embarrassed to give yourself shots at school or feel different from your friends. If so, these team members can help you get through it. Mental health professionals can help you handle problems at home or at school, even if they’re not related to your diabetes, so don’t be afraid to ask for advice. They can also help you find ways to manage your diabetes, even when you don’t want to deal with it. Always remember that you don’t have to manage diabetes on your own. You can count on your team members to support you and answer your questions — the team has lots of experience with helping people deal with diabetes.

  • How do I know if I am not getting the proper nutrition
  • Specialize in and manage chronic illnesses
  • Receive in-app 1:1 health coaching during business hours
  • Lying Awake All Night

If you want to protect yourself from unexpectedly high medical expenses, it’s best to buy a more comprehensive policy, even if higher premiums mean more guaranteed costs. You may be able to get insurance from a few different sources, depending upon your situation. An employer: If you or a spouse has access to an employer plan at work, this is often the best choice. Children under 26 can also stay on their parents’ workplace insurance plans. Employer plans often provide better coverage than you can purchase on your own, and your employer may pay part of the premiums for you. The Affordable Care Act (ACA) exchange: The Affordable Care Act (also known as Obamacare) aimed to streamline the process of buying health insurance by encouraging each state to create a marketplace. Washington, D.C. and 11 other states operate their own marketplaces: California, Colorado, Connecticut, District of Columbia, Idaho, Maryland, Massachusetts, Minnesota, New York, Rhode Island, Vermont, and Washington.

If you purchase a policy on the ACA exchange, you may be eligible for subsidies (more on that below), but there might be a limited number of policies in your area. Buying off-exchange plans: It’s also possible to buy insurance policies off the Obamacare exchanges by shopping directly with insurers, going to an insurance agent, or using websites such as ehealthinsurance. When you buy an off-exchange plan, policies that are Obamacare-compliant must meet certain requirements, including covering 10 essential services and no lifetime limits (caps on the total amount the policy can pay over your lifetime). You could also buy non-compliant plans such as short-term health insurance plans, which last only a limited time and don’t comply with Obamacare mandates. While these plans are cheaper, their coverage is skimpier. If you don’t have access to an employer plan, getting insurance through the Obamacare exchange probably makes the most sense, because you can count on getting a certain minimum level of coverage and perhaps get help paying premiums.

The ACA fundamentally changed the process of shopping for insurance. First and foremost, it imposed a mandate that all Americans have qualifying health insurance or pay a penalty. The ACA also changed the process of shopping for insurance in another important way: You can’t be denied a policy or be charged more if you have pre-existing conditions. Premiums for each plan are the same for every person in the same geographic area and age group, although tobacco users pay a surcharge. The ACA even capped how much more insurers can charge older people: three times what younger people in the same area pay. Insurers also cannot impose a lifetime limit on the total amount spent on your care. The ACA also mandates that every policy cover 10 essential benefits, including outpatient care; prescription drugs; emergency room care; mental health services; hospitalization; rehabilitation; preventive care; lab work; vision and dental care for children; and maternity and newborn care. This doesn’t mean your insurance pays every dollar for essential care — you’re still responsible for your deductible and for copays and coinsurance costs until you hit your out-of-pocket limit.

But spending on essential benefits counts toward your deductible, insurers must pay something toward them once your deductible is met, and insurers must cover essential care at 100% once you’ve reached your out-of-pocket maximum. The ACA also provides subsidies for people who make below a certain income level. The subsidies work by capping the percentage of income you pay for a “benchmark” plan. The benchmark plan is a “silver plan.” Obamacare plans are divided into four tiers: bronze, silver, gold, and platinum. Silver plans cover around 70% of healthcare costs, leaving you to pay the rest out of pocket. 1,000 monthly, you’d be below 133% of the federal poverty level. 429.20 monthly. You don’t have to buy the benchmark silver plan; you can buy any qualifying Obamacare plan. But if you want a more expensive plan, such as a gold or platinum plan, your subsidies cap out at the same percentage, and you pay the difference. If you buy a cheaper plan, the subsidies may cover the premiums entirely, so the plan would be free. It’s important to estimate your income correctly so that the right subsidy can be determined.


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