Saturday, February 18, 2012

How to live without healthcare

Many Americans remain to be without a reliable health insurance. And th healthcare bill that was just passed the congress and signed by the president is yet to be implemented in many States. Also many experts and critics believe the healthcare reform comes short. So it seems that many Americans will continue to be without a viable healthcare for a long time due to back economy.

If you do not have health insurance and need to see a doctor or a dentists, there are a several things you can do

1. Work out a payment plan; Most doctors and dentists have in house financing or are open to flexible payment plans if you work out a cash deal with them. Cash is king and there are some doctors and dentists are willing to work out a better payment plan with you if you can't pay everything on time; A good example is San Diego Dentistry that works with local San Diego residence on interest free monthly payment plans as long as they pay in cash or money orders.

2. Borrow Money; If your doctor or dentist is not willing to work out a payment plan with you, then borrowing money is an option. Whether it is a personal loan from a friend or family member, or a loan from credit union, banks, and other type of lenders. It may be a better idea to borrow money to pay for your medical bills in order to avoid collections and damaging your credit.

3. Look for free clinics and doctors'; There are a plenty of clinics across the country. Look for near your town.

4. Continue looking for a better job; If you are employed but your employer doesn't provide you
healthcare, keep your options open and continue looking for a better job that does offer you health insurance.

5. Save money for health insurance; You will be amazed how far saving a few dollars a day can go. Unless you have a critical pre-existing condition, you should be able to but a descent health insurance policy.

6. Take advantage of Emergency rooms; Hospitals legally can't deny you if you have an emergency. So if you have a medical emergency or have an existing condition that would justify it to be emergency, report to your local hospitals emergency room. They will send you the medical bill later in which case you can work out a payment plan and they often accept because they don't have any other options.

You must take your health and well being seriously and if you don't have health insurance, there are alternatives where you can still get the quality healthcare you need affordably.

1 comment:

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