Newcomer here and hopefully will have time to look things over in more detail later - for now, I've checked the board but could not find anything related to my current concern. I am Type 2 and on insulin lantus and rapid planning on retiring abroad and I am shopping for long term (expat) health insurance. I doubt that I can find anything which will pay (or help pay) for my meds but I hope to find coverage that I can be comfortable with - something which will allow me to relax rather than worry. In discussions with carriers, they use the term "pre-existing" conditions. That sounds pretty clear when I am asked if I have had heart problems or other obvious conditions. However, because I have recently gone on insulin, they will not cover any pre-existing conditions related to diabetes until a few months have passed.
Has anyone experienced this? I am trying to figure out what they mean. It's pretty obvious that if I have leg problems related to diabetes, they will not provide coverage but I am more interested in what happens if I have a heart attack or stroke - can they somehow link that to diabetes?
I would be grateful if anyone can shed light on this. Thanks for your help.