Health insurance can be expensive and sometimes cost-prohibitive. For those who must see a health care provider regularly, paying a high monthly premium can mean choosing insurance over essentials like food or rent. If monthly premiums don’t fit into the budget, many people must look for alternatives to satisfy their health care needs. Affordable Healthcare 123 Tees, a company that strives to contribute to the fight for affordable healthcare through creating and selling apparel, offers suggestions on how to obtain health care services without health insurance.
Several larger chain pharmacies have initiated programs that provide some prescription medications free or at a minimal cost. Most commonly, these are drugs prescribed for high blood pressure, diabetes, allergies and antibiotics. The list will vary by outlet, so ask your local pharmacy if they offer any type of program. A doctor’s prescription is still required in most cases.
Some walk-in clinics offer free antibiotics with a paid visit. While paying out of pocket for the visit may be expensive, this cost may be no more expensive than paying a health plan co-pay or deductible plus the cost of the prescription antibiotics.
Community health clinics
Many people still attach a negative social stigma with going to a local “free clinic”. While they may not resemble the office of a large private practice, community health clinics can be a great resource for those without health insurance. Services offered can include primary physician care, immunizations, vaccines, nutritional advice and even dental care.
Ancillary insurance is the name given to the group of insurance plans that include accident, hospitalization, injury, cancer, life and other coverage. While these are not traditional, qualified health plans, they can offer some financial help with qualified medical costs. These plans are typically inexpensive and offer limited coverage. For example, an accident plan may pay a set amount of money for covered events such as a broken leg or stitches.
Much like saving for a vacation or down payment for a car, putting money away to cover an accident or emergency is important. Separate these funds from other savings so that there is no mingling of money that might result in accidental spending.
Hospitals and other health care providers may offer a hardship discount, depending on the situation. This can mean a discounted rate, deferred payment or even free care in some cases. Contact the provider’s financial department to inquire about such plans.
Most people don’t realize that many health care providers are willing to negotiate payment for services. This is most often the case with discounted cash rates for non-insured patients. If this price is still cost prohibitive, patients may be able to negotiate discounts or favorable repayment terms. Since most providers don’t charge interest for payment plans, this can often be less expensive than using a high-interest credit card for payment.
Living without health insurance doesn’t mean living without health care. Use these steps as a starting point to create a plan for accessing necessary services and products before an illness or accident occurs. Lack of a qualified health insurance plan should not be a roadblock to good health care.
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