How to Get Local Medical Care Without a Formal Health Plan
As medical service rates increase higher than ever without health benefits, more people are left to worry what they would do when they seek medical attention and have no program. If you’re someone without health insurance and need medical treatment, here’s a brief guide to help you over this difficult time.
5 Ways without formal insurance to get medical treatment:
1) Enroll in the Health Discount Plan. There are tons of personal benefit benefits that are not structured policies, based on what you are budgeting and what the specific conditions are. These are great because they don’t have pre-existing condition requirements, no benefit caps and you don’t have to worry about submitting complicated claim forms — you get a discount when presenting your health plan discount card. Additionally, a wide variety of physicians accept many discount medical health plans. A good medical plan provider with a discount will have a searchable database for doctors in your area. Kindly visit local medical care to find more information.
2) Find independent physician’s offices in your area. Those doctors are corporate independent and run a private facility. A key attribute to look for in such types of health care providers is a well-received community reputation. In general these types of doctors are easier to find in smaller towns. Also, when you are calling for an appointment, be sure to state clearly that you do not have insurance and that you have little money. If you have a medical discount plan such as the above, be sure to inquire if they will accept it.
3) To find local schools or centers of medical learning. These institutions frequently offer students greatly discounted treatments.
4) You should look into the EMTALA or the Emergency Medical Treatment and Labor Act if you are concerned about treatment in an emergency. If you have recently been laid off from a job where you and/or your family have medical health plans, you can be entitled to your insurer’s coverage. In particular, the Act states that insurance companies provide insurance at a reduced rate for laid-off individuals if they have been enrolled in a plan through their previous employer.
5) If you decide to go to the emergency room for your illness, without insurance or a health plan discount, go to the hospital billing office after you have been released. Under certain circumstances, you may be able to have your bill waived if you have no job or no way to pay the healthcare costs feasibly.
All in all, don’t give up finding medical care and remember that a health plan with discounts is much better than nothing. If you choose to personally see a healthcare provider, don’t hesitate. Your disease can continue to get worse and, in turn, cost more treatment. Before you head out and waste money on a specialist, make sure you are genuinely ill on the other side of the coin. Wait for typical signs of cold and flu, and manage them at home, whether they last more than 2 weeks.