Always Sick, but No Health Insurance?

The unemployment rate is up, and since most Americans get their health insurance through their work, that means a lot of people are without health insurance.

The healthcare debate in the United States and politics surrounding it doesn’t concern you as much as the fact that you are always sick and needed coverage last week that you still don’t have today.

The out of pocket expenses are mounting.  The free clinic lines are long and frustrating.  You avoid going to the doctor at all because it means another $300 down the drain, just to be seen, and that doesn’t even consider the prescriptions.

Thankfully, you don’t have to wait for anyone in the government to make any decisions for you.  You have some control and power, if you take the steps to insure your health and your future yourself.

Chart: U.S. Residents without Health Insurance

Do I Qualify for Government Healthcare Plans?

Every state offers some form of state run health coverage for those who cannot afford it.  Additionally, Medicaid is a healthcare program, jointly funded by state and federal funds, for low-income individuals and their families.   However, in most situations, only pregnant women, children, and disabled people will qualify.  Additionally, each state has its own requirements for income level and co-pays.

I don’t qualify for Medicaid.  What now?

Sometimes, if you know where to look, you will find doctors in training who will see you for free if you are without healthcare and meet a specific income requirement.  This is neither ideal nor convenient, of course, but desperate times call for desperate measures.

Many pharmacies and drug stores will see you in their clinics for a small fee and without insurance.  They can also administer vaccinations.  Walgreens, Walmart, Rite-Aid and Target all offer affordable clinic services.  They are also helpful if you’re not sure just how sick you are, so you can get a professional opinion about whether you should visit the doctor or go home, drink fluids, and just get some rest.

Also, don’t panic.  You can still receive emergency healthcare without any trouble.  Emergency rooms cannot and will not turn you away if you are unable to pay or without insurance.  So rest easy that, if in an emergency situation, you will get the care you need.

That’s all fine and dandy, but I don’t need an ER; I need to see a doctor in an office. I need tests done – blood work, x-rays… What do I do?

If you are unemployed, between jobs or your current job doesn’t offer healthcare benefits, you can purchase healthcare coverage for yourself and your family.  There are many options available which vary from state to state, including Short Term Health Insurance.  Cost and coverage will also vary, so it’s important to do your homework to ensure you pick the plan that’s right for you and that you and your family can afford.

If you don’t find something right away, don’t be discouraged. There is a lot of information on the Internet and plenty of places to find good coverage options.  Talk with your friends, family, and work colleagues to learn how they are handling their healthcare coverage benefits to get good ideas on where you might like to turn.

I have a job, but I won’t have healthcare coverage for another 6 months.  What do I do in the meantime?

Consider purchasing Short Term Health Insurance to fill in the gap.  This will cover you if you suddenly have a horrible emergency, require surgery or fall ill unexpectedly.  There are also many places that offer free prescription drug cards that help you get your prescription medications free or at a discount. You can also find printable prescription discount coupons online that can save you up to 75% on prescriptions if you are without insurance.

I have the coverage, but money is tight, and the co-pays and deductibles are a nightmare. What can I do to stay healthy and avoid the doctor?

Eating right, exercising, drinking plenty of fluids and getting plenty of rest will help you stay healthier and out of the doctor’s office.  Additionally, knowing and understanding your symptoms, when it’s something you can treat yourself vs. when it’s necessary to see a doctor, is also crucial.  Familiarize yourself with online medical advice web sites, such as WebMD, to check your symptoms and empower yourself to handle self-care at home.  After all, no one wants to pay the doctor just so that he can tell you, “It’s just a cold virus; go home and get plenty of rest,” right?