What to do if You Don’t have Health Insurance?
In United stated only a few people have Health Insurance but the number of not having health insurance people is increasing bit by bit. Here are many reasons why these people do not have a health insurance. The reason is the high premium which they will have to pay if they opt for health insurance. Other reasons includes jobless, so the employer is not offered health insurance plans , young adults who turns 18 but does not live with their parents or low income workers who cannot afford health insurance.
In 21st century it is scary to survive without a health insurance as the minor treatments or costs can hundreds or thousand dollars. But options are available for such people like if they do not cover any health insurance plan yet they can get appointment and can get treated.
Here is the list of dos if you are living without a health insurance like you can negotiate your bills, avail free clinics, COBRA, Buying prescription drugs, purchase Insurance and save for future medical expenses.
Negotiate your Bills– In this you can lower your medical bills by visiting a doctor’s office. Health care Advocates can also help in reducing the cost of your bills.
Avail Free clinics – Federal government finance some health clinics for uninsured people. These clinics offer vaccination, treatment for certain diseases and care of pregnant women and children.
COBRA– COBRA stands for consolidated Omnibus Budget Reconciliation Act. This act permits employees to continue their health coverage for a limited time by sticking on their ex-employer health plan.
Purchase Insurance – You can enroll in Medicaid which offers programs mainly to low income families. Its programs differ from state to state. You can also buy insurance for your children with SCHIP (State Children’s Health insurance Program). This program offers coverage low income families children. You can also opt for direct primary care as this program offers primary health care to persons who do not have an insurance coverage.
If you do not wish to buy health insurance, start saving now for your future health care and keep your body in the top shape.
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