Everyone gets sick at one time or another and oftentimes there is too little time to be prepared; especially if you find yourself between jobs, unable to afford the premiums for health insurance coverage or are disqualified because of pre-existing conditions.
There are several options you may pursue:
The Feds Do Care
1. The US Department of Health and Human Services operates many health centers nationwide that provides care for you and your family. This professional care is offered on a pay-what-you-can-afford basis and is often linked to your income. Services include general checkups in cases where there are obvious changes to your health. Treatment is available when there is a positive diagnosis of illness. Mothers-to-be will also receive full care for pregnancy including any special emergency and unusual procedures that might be required. Children will receive their immunizations as well as their routine check-ups to maintain their health. Dental care is also provided for the entire family as well as assistance with prescription drugs. Many families also find themselves in a position requiring mental care or counseling for substance abuse and this is provided by many of the federally-funded health centers. These services are accessible online with the only requirement being to visit the US Department of Health website and type in your zip code to find the nearest health center to you. You will find that centers are both in cities and rural towns and are strategically placed to ensure wide assess to people who need their services.
Not Sure If You Are Sick?
2. There are also many websites online that provide free medical advice if you’re not sure whether you’re in need of medical care. Whilst, one should be wary about depending on information provided online because of physical limitations, meaningful research can save time and unnecessary financial headaches. Many online services offer background information on visible symptoms to help you understand the possible causes of certain illnesses.
Use a Payment Plan…Pay Directly
3. In cases where there might be some resources available, you may want to visit a doctor and pay directly for medical services received. Many hospitals may consider putting you on a payment plan where you can pay a monthly amount over a period time to cover expenses. It is useful to investigate prior to a medical emergency, those services, offices and hospitals that allow a payment plan for those patients without insurance. Plan ahead for medical emergencies.
Walk Into a Clinic
4. There are low cost clinics available that will offer the best “bang for your buck” located in pharmacies, drug stores and convenient stores. These clinics offer affordable family packages that are designed as an alternative to full-service medical centers. Do the required research, because there are many customized services popping up all over the country to cater to the uninsured patient.