No Health Insurance
The importance of medical and health insurance cannot be overstated
, but with the way the economy has been going of late, more and more people are losing employment and the benefits that go with it. Health insurance is one of the greatest benefits of being employed, and losing it could mean a massive financial disadvantage. The financial crisis which faces most countries has created growing national trends in which more and more people are opting to sacrifice medical benefits for other opportunities.If you lost your medical benefits and health insurance or never had coverage in the first place, there are many options which you can explore to get proper medical attention. By exploring various media, it is possible to get treatment without severe financial repercussions. If you are about to lose or have recently lost your job, but still have some savings which you can use to extend coverage, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) stipulates that insurance coverage can be extended up to 18 months, but must be handled entirely by the insured. It can be quite expensive if you have not saved a sizable amount during your employment period however. There are other alternatives though, that you can explore if you cannot handle the expenses of a COBRA insurance extension. Part of COBRA is EMTALA also known as the Emergency Medical Treatment and Active Labor Act. It stipulates that medical treatment cannot be withheld from any person with an emergency situation, regardless of nationality, legal status, or ability to pay.
One option to explore is short-term health insurance, which covers a duration of anywhere from 6 months to 3 years. This is cheaper than regular coverage because the insurance provider is less exposed to greater financial responsibility because of the shorter term. There are many insurance providers that have short-term coverage such as Blue Cross.
What many people don't know is that you can still visit your family doctor without insurance. You can talk to your physician and ask for special rates if you are going to pay in cash. Most doctors and physicians agree to these special rates because payment is quicker and goes through less complication than when dealing with insurance companies.
There are also many non-profit organizations, civic groups, and even hospitals that hold free or significantly discounted screenings for specific diseases such as diabetes and other common illnesses. This is an option in preventive care because it allows reduced prices of routine medical attention. Charitable medical organizations also offer basic care along with care for common illnesses like colds and treatment for hypertension. They also provide preventive care in the form of physical checkups and vaccinations.
Healthcare Centers are also an option since they tend to offer medical assistance and care at very low prices. These are usually funded by the state or even the federal government, and they use volunteers to provide medical attention cheaply. If your primary reason for seeking insurance is for your children, most states have available free or low-cost insurance for children and with an additional fee, coverage for their parents.
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