For Diabetics
We understand the challenges of living with diabetes.
Inspired by personal experience and the loss of loved ones to diabetes, our company was founded to provide compassionate support to individuals and families facing similar struggles.
As a licensed Certified Partner of Healthcare.gov and the state exchanges listed, we simplify the process of finding affordable health coverage for you and your family.
On A Mission
We further demonstrate our commitment by contributing a portion of our profits to support diabetes research and community outreach programs.
Available in: FL, GA, MD, NC, NJ, PA, SC, TN, TX, VA
Diabetes Checklist
When we review your overall health plan, we aren’t just looking at the price tag.
- Insulin & Medications: We identify plans that offer low to zero-cost insulin and prioritize “Preferred” brand-name medications to avoid pharmacy-counter surprises.
- Doctors & Specialists: We research provider networks to ensure Endocrinologists and Podiatrists are treated as essential partners, matching you with plans that offer the lowest specialist copays.
- Modern Technology: We prioritize plans with stronger coverage for CGMs, insulin pumps, and the latest diabetes management technology.
- Maintenance Care: We look for 2026 “Chronic Care” riders that offer low to zero-cost diabetic lab bundles (A1C, kidney, and lipid panels) to keep your data current without the financial burden.
- Vision & Eye Health: We prioritize plans that specifically cover Dilated Retinal Exams, ensuring your eyes are screened for “silent” damage before your vision changes.
A National Epidemic
Diabetes is no longer just a health condition; it is a hurdle for millions of American families.
- The Numbers: According to the 2026 CDC Report Card, over 40.1 million Americans (1 in 8) now live with diabetes.
- The Financial Burden: Medical costs for those with diabetes remain more than double those without. With the 2026 expiration of certain tax credits, some marketplace enrollees are seeing premiums rise sharply.
- The Complications: Unmanaged diabetes remains a leading cause of heart disease, stroke, and kidney failure. Early intervention isn’t just medical; it’s financial.
Source: CDC: “U.S. Report Card | Diabetes”
Vision & Eye Health
Health insurance has gaps—we help you fill them with specialized knowledge and extra protection.
Managing your diabetes is the first step, but protecting your eyesight requires a proactive strategy to catch issues before they start.
Protect Your Sight
Because diabetic retinopathy often has no symptoms in its early stages, it remains a “silent” threat to your independence.
Anyone with type 1, type 2, or gestational diabetes (diabetes while pregnant) can develop DR.
The longer you have diabetes, the more likely you are to develop it.
Regular eye exams are the only way to diagnose problems early enough for effective treatment.
- The Risk: Diabetes is the #1 cause of blindness in adults under 65.
- The Hope: 90% of vision loss is preventable with an annual dilated exam.
At BenZen, we don’t treat annual screenings as an “add-on” or an option.
We prioritize affordable vision plans that treat these exams as a medical necessity for your long-term health.
Dental: “The Hidden” A1C Factor
Oral health and blood sugar share a “Two-Way Street.”
High glucose levels can fuel gum disease, while active oral infections make it significantly harder for your body to utilize insulin effectively.
- The Connection: Research shows that uncontrolled gum disease can raise your A1C by as much as 0.4%.
- The Strategy: Maintaining your oral health isn’t just about a smile; it’s about removing a “hidden” barrier to stable glucose levels.
We identify plans that prioritize periodontal (gum) health and offer options for both basic and major care with no waiting periods.
And help you protect your smile and your stability from day one.
Supplemental Insurance
Major medical insurance covers the doctors, but it doesn’t cover your mortgage if you’re sidelined.
Supplemental plans provide a cash cushion when you need it most.
Hospital Indemnity: While your health insurance pays the hospital, this plan pays you a fixed daily amount for every day you are confined to a room—helping you “erase” your deductible.
Critical Illness: These plans pay a tax-free lump sum directly to you upon diagnosis of serious conditions like heart attack or kidney failure. Use the cash for high deductibles or everyday bills.
Life Insurance for Diabetics
Securing life insurance can be a significant challenge for individuals with diabetes, but in 2026, the “standard” decline is a thing of the past.
We specialize in navigating the complex criteria that traditional brokers often overlook.
- Clinical Underwriting: We work with carriers that prioritize your management history over your diagnosis. We look for “Diabetic-Friendly” underwriters who reward A1C stability and consistent care.
- Beyond the Diagnosis: Your eligibility is about more than just a blood sugar reading. We advocate for you by highlighting the full picture—considering factors like age of onset, insulin-to-weight ratios, and lifestyle habits to secure the most competitive rates.
- Empathetic Advocacy: Whether you are Type 1 or Type 2, we understand that “well-managed” looks different for everyone. We hunt for the specific carriers that offer credits for proactive health management, ensuring you aren’t overpaying for protection.
Learn more:
- “Compare Term Life Insurance for Type 2 Diabetes”
- “Permanent Whole Life Insurance for Diabetics”
- “Life Insurance & Diabetes: The Role of A1C Levels”
The Founder
Our Founder, Ted McNeil didn’t start BenZen Insurance to be another agency.
He wanted to make benefits easy and accessible for more Americans.
After witnessing the emotional and financial toll diabetes took on his own family and seeing the loss of loved ones to the disease, he realized the “standard” insurance model was failing the community.
BenZen is a specialized agency, combining compassionate guidance with the data-driven precision needed to navigate the modern healthcare landscape.
You aren’t talking to a salesperson; you’re talking to an advocate who knows the 24/7 reality of your journey.
Consultation
We make it easy for individuals, families & small business owners to find affordable plans and benefits.
If you’re living with diabetes, we provide specialized knowledge to protect your health and your wallet.
Ted McNeil
Owner, Broker
BenZen Insurance
An Independent Agency