What to Do If You Can't Afford health assurance

Do You Lack condition Insurance?

If you are an American, and you lack condition insurance, you are not alone. In late 2009, it was estimated that almost 46 million citizen in the Us do not have a condition plan. Up-to-date high unemployment figures have not made this figure any lower.

Some of these citizen lost their group condition plans when they lost their job. Others are self employed or work for a enterprise that does not offer group health. There are alternative secret condition plans on the market, but many citizen just cannot afford them, or they cannot get standard by one. While politicians haggle over the issues, sick citizen are having issue getting treatment.

Are You Sick or Healthy?

If you are very healthy, or if you already have a condition issue, you should seek coverage. It will be, of course, a lot easier to find affordable secret condition insurance if you are healthy. This way you can be prepared in case you do get sick or get hurt in an accident. Even a uncomplicated trip to an accident room for a broken bone can cost thousands of dollars.

If you have already are hurt or ill, it will be tough to get it covered by secret plans now. But even citizen who are already sick should be able to find some help. I hope to present some options for you.

Cobra

Under federal law, some associates must increase their group healing plan to terminated employees. This can be a good option for those who are in the middle of jobs. The only issue with it is the cost. Instead of just paying your worker contribution, now you will probably also have to pay the whole prime amount. Many ex-employees are very surprised when they learn how much this is.

Individual condition insurance

If you lack major medical, and you are fairly healthy, you may find that a secret healing plan is pretty affordable. It is well a misconception that group benefits are always cheaper than personel plans. Because insurers can underwrite each applicant, they may well be able to offer lower rates for healthier people.

If you have an option to increase your group benefits (i.e. Cobra) or buy secret coverage, just make sure the new plan will accept you, and that it will cover services you need. It is tough, for instance, to get personel plans that cover general maternity. But if you are accepted, which most citizen in reasonably good condition should be, and the plan satisfies your needs, you may be vary happy with carrying your own condition plan.

State Risk Pools

Every Us state has some sort of condition plan for citizen who have a pre-existing condition question that gets them declined for other coverage. In some states, these plans can be very high-priced though. This is a good option if you do have wage or savings, but just do not have condition insurance.

Paying For Prescriptions

If you cannot afford your prescribe medicine, consult the Partnership for prescribe aid (Pparx). Their website is Pparx.org. This society offers a point of passage to hundreds of secret and collective aid programs. Their website says they have helped millions of Americans get help, and they may be able to help you.

Low Cost condition Clinics

You can find some lower cost condition clinics. Many offer condition services on a sliding scale. The Pparx website we mentioned about also has a handy hunt feature. You can enter your zip code and see if you can find a colse to locations. I entered my own zip code for a test, and I was surprised to see that there were some of these clinics within a short drive of my house. I had not been aware that there were any before.

Financial Aid For condition Problems

If you have a serious illness, you may be able to get maintain from a financial aid program. These are commonly non-profits, and sometimes they are called co-pay programs. Again, Pparx has information on many of these organizations.

County condition Systems

Try searching for a county or collective condition ideas in your own area. They should contribute reduced fee services for patients. You will probably be locked into using their hospitals, doctors, etc., but you should have passage to care.

Public condition insurance Programs

If you have a very low income, and few assets, you may qualify for Medicaid. This is the federal and state schedule to insure the poor. Moderate wage families should look at the Childrens condition insurance (Chips) plan for their state. wage guidelines to cover kids are higher than those for adults, and these plans may also cover pregnant women.

What To Do If You Have No condition insurance

I would tell anybody to figure out how they can collect condition insurance as quickly as possible. For instance, you should try to apply for a secret policy when you are healthy! You are probably not going to find coverage from a secret enterprise after you are already sick or hurt. If you do find a plan that accepts you, it will probably be much more high-priced That is how insurance works.

It is always good to plan ahead. Of course, this is not always possible.. If you have a current condition issue, and no condition plan, you should look at some of the alternatives we listed.