If you or your loved one is on oxygen, you will probably need to get information about burial insurance for people on oxygen. Usually, those who require oxygen supplement for their daily lives have a serious medical condition and wonder how to get burial insurance on oxygen.
People that have experienced a health crisis mostly consider how their loved ones will survive with the monetary burden and other expenses. You need good burial insurance that promises to give your family peace of mind.
An insurance provider will ask about oxygen use in the application. Shopping for funeral insurance on oxygen can be very difficult and frustrating, particularly if you talk to the wrong insurance company.
Although oxygen use might be considered uninsurable, it is possible to get funeral insurance when you’re on oxygen.
- Who Needs to be on Oxygen?
- When Does a Person Need Supplemental Oxygen?
- Eligibility for Oxygen Burial Insurance
- Getting Burial Insurance When on Oxygen Treatment
- The Bottom Line When It Comes to Oxygen
- Burial Insurance Underwriting on Oxygen
- High-Risk Burial Insurance on Oxygen
- Can You Get Funeral Insurance on Your Parents?
Who Needs to be on Oxygen?
Oxygen is vital for our existence. We need oxygen for normal body function. Without sufficient oxygen, the body gets weak, which results to stress and can even be dangerous if it happens for a long period.
Some symptoms of insufficient supply of oxygen include rapid heart rate, shortness of breath, confusion, and bluish skin on the nose, lips, or fingernails. People with breathing disorders cannot get sufficient oxygen naturally; they need oxygen therapy.
Supplementary oxygen is a therapy ordered by a doctor that gives extra oxygen to support important bodily functions. Oxygen therapy will make it possible for you to take in higher concentrations of oxygen than non-supplemental oxygen users.
Insufficient oxygen supply can be caused by lung conditions preventing the lungs from absorbing oxygen, such as:
- Cystic fibrosis
- Heart failure
- Sleep apnea
- Chronic Obstructive Pulmonary Disease (COPD)
- Bronchopulmonary dysplasia
- Chronic bronchitis
- Respiratory system trauma
When Does a Person Need Supplemental Oxygen?
To decide if a person needs oxygen therapy, doctors have to test the amount of oxygen in the arterial blood. Low levels suggest that you need supplemental oxygen. Normal levels of blood oxygen should be between 75 and 100 mmHg. A level of 60 mmHg or less requires oxygen therapy.
Oxygen requirement varies depending on how severe the lung disease is. Some people need oxygen therapy when they get ill, others having sleep apnea may only require supplementary oxygen while sleeping at night. However, people having severe conditions might require supplemental oxygen use throughout the day.
A person needs stick to the instructions of their doctor when using supplementary oxygen. If you’re supposed to use additional oxygen all day, and you always forget to do so, you are putting yourself in danger of having a low oxygen level; this can cause a serious medical emergency.
If you or your loved one is on oxygen, you will probably need to get information about burial insurance for people on oxygen. Usually, those who require oxygen supplement for their daily lives have a serious medical condition.
People that have experienced a health crisis mostly consider how their loved ones would survive with the financial requirements of the funeral and other expenses. You need good funeral insurance that will not be much of a hassle for your family.
An insurance provider will ask about oxygen use in the application. Shopping for funeral insurance on oxygen can be very difficult and frustrating, particularly if you talk to the wrong insurance company. Although oxygen use might be considered uninsurable, it is possible to get funeral insurance when you’re on oxygen.
Eligibility for Oxygen Burial Insurance
Those on oxygen therapy mostly have a serious medical condition, probably heart or lung conditions that prevent the lungs from absorbing sufficient oxygen. People who have experienced such a health crisis may be wondering how buying burial insurance when on oxygen works.
When getting funeral insurance when on oxygen, you’ll need to answer some questions in your application. You are required to provide your basic information and answer medical history questions with a YES or a NO. This makes it possible for the application to be processed quickly and easily.
But you need to take note that not all applications for burial insurance on oxygen are the same. You need to understand the processes. Some question formats include:
- Do you presently make use of oxygen daily?
- Have you used supplementary oxygen in the last 6 months for any reason?
- In the past 1 year, have you used oxygen because of a serious medical condition?
Getting Burial Insurance When on Oxygen Treatment
Whether your doctor refers to your oxygen use as therapeutic or supplemental, you probably need it to stay healthy. Doctors offer oxygen prescription because a person might have a condition preventing him or her from getting sufficient oxygen through normal respiration.
Your medical provide likely had you go for a blood draw to determine the amount of oxygen in your blood. He or she might also use a pulse meter to determine oxygen levels. If you show symptoms of low oxygen, the doctor will probably put you on oxygen therapy.
They will provide you with portable liquid oxygen tanks, oxygen gas tanks, or a concentrator that creates it for you from the air around you. You might make use of a nasal cannula, a continuous positive airway pressure device, or a mask to receive it.
There are several benefits to using oxygen therapy, and for most, they are life-saving advantages. Although you may not get your need for oxygen much difficult, there are likely other problems linked to it that can be frustrating.
This process can be challenging for most people, and it is because a lot of insurance companies are not willing to provide coverage to people with many kinds of health impairments.
The Bottom Line When It Comes to Oxygen
Every life insurance company will unequivocally ask about your oxygen use. There is only one possible outcome where you can get a level death benefit while using supplementary oxygen.
Burial Insurance Underwriting on Oxygen
All funeral insurance companies will have health questions and a check on your prescription history. They need this information to determine if you are eligible or not. Their questionnaires will have various parts for different health conditions.
How to Get Good Burial Insurance on Oxygen
If you are on oxygen, you have several levels of death benefit options. To get good burial insurance on oxygen, work with an independent brokerage that represents various insurance companies. This agency will look for an insurance company that will provide the best price.
High-Risk Burial Insurance on Oxygen
There are serious carriers that issue out “high-risk health issue” burial insurance. They provide insurance for most health conditions, and many can have a policy ready the same day you request for coverage.
These companies specialize in coverage for those with some common conditions, including people using oxygen due to pre-existing conditions. However, there are some carriers who will not ask clients to take a medical exam, but will need clear answers to some health questions, before providing a quote.
Can You Get Funeral Insurance on Your Parents?
As a benefactor, if you are eager to get insurance coverage because a parent or loved one has given you the duty of taking care of them, there are things you can do with them to get insurance coverage with reputable burial insurance company.
With the average costs of a funeral increasing, it will be best to look for ways to spare your family the stress and troubles of scrambling to get funds, or worse, paying for it over time at a high-interest rate.
Your Best Choice: Working with An Independent Agency At Superior Mutual, we are the leading independent final expense agency. We work with many insurance companies and that is all we do. Put our 35 years of experience to work for you find a superior burial plan for you.