New Hope for Congestive Heart Failure

New Hope for Congestive Heart Failure With A Medication Used For Diabetes

Written by: Natalie L Cooper

Final Expense Life Insurance with a Heart Condition

CHF (congestive heart failure) or HF (heart failure) currently affects 6.2 million people in the US ( Heart failure occurs when there is not enough oxygen being pumped from your heart to your organs. This happens when there is damage to your heart muscle (pump) like a heart attack, or stiffness of the heart chamber which makes it hard to fill up with good oxygen rich blood.

The lack of blood being pumped to your organs results in symptoms of dizziness or confusion, shortness of breath from the lungs filling with fluid, and swelling of the ankles, feet, abdomen, or scrotum in men. Many heart failure patients are restricted on salt and fluids due to the increased swelling. Diuretics (water pills) help to eliminate excess water but have negative effects on the kidneys (chronic kidney disease) and require frequent tests of kidney function. Frequent hospitalizations for heart failure are common.

In 2014 Invokana was the first SGLT2 inhibitor approved in the US for diabetes control. The drug works by blocking the kidney from keeping glucose and allows glucose to be excreted in urine. This reduces blood glucose levels. ( This new classification of drugs may improve kidney outcomes. (The CREDENCE trial 7/21/21)

A study published in the Lancet (June 1, 2021) tested Jardiance, a SGLT2 inhibitor currently used for diabetes control, in heart failure patients. SGLT2 inhibitors include: Invokana, Farxiga, and Jardiance. The results were very positive with a reduction in death and a reduction of 31% in hospitalizations for heart failure. The Jardiance study results indicate the drug would work for both heart pump failure and heart chamber stiffness without progressive effects on the kidneys. Two additional large trials are currently underway.

Treatment for congestive heart failure will have an impact on your insurance options.  Find out if your Medicare insurance will cover pay for these new medications.  If it doesn’t, ask your physician for samples until you have a plan to pay for the prescription.

A diagnosis of CHF will make it more difficult to purchase new Life Insurance or Medicare Supplement (Medigap) insurance.  Best Quote Insurance has been helping people diagnosed with congestive heart failure get approved for Final Expense Life Insurance and Medicare Supplements for over 25 years.  If you want to secure any type of life or health insurance, call (614) 402-5160 to get help finding a policy. Best Quote is an unbiased, independent insurance agency specializing in life and health products for seniors and those under age 65.  Their portfolio of products include Life Insurance, Medicare Supplements, Long Term Care, Dental, Cancer and more.

Best Quote Insurance was founded by Natalie L. Cooper in 2010 who has over 25 years experience in the industry. Natalie was named as an honorary member of the New York City Fire Department Retirees in 1998 when she worked as the Manager of Retiree accounts for HIP of Florida and shortly after was awarded Affiliate of the Year by the Realtor Association of  Greater Fort Lauderdale.  She was published in Experience Magazine by the  American Bar Association Senior Lawyers Division and has been quoted on other websites.

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