Health Insurance is probably the second or third most expensive item in a person/family’s budget. This is why many individuals do not have health insurance. My husband and I have found ways around buying health insurance and still get pretty decent coverage.
First, my husband and I use our county health department for annual physicals, sick visits, and annual pap smears. It is based on your income in almost all counties and if you make under a certain amount the cost is free. This really saves you a lot of money in the long run if you only need basic care.
Second, prescription discount cards. You can usually register for these cards at a very low monthly or annual cost on line. Also, certain pharmacies offer discount programs for uninsured patients. Also, Publix offers free antibiotics for everyone. Kroger and Walmart have programs that have three and four dollar prescriptions for a variety of popular medications.
Third, we pay a monthly premium for dental insurance. We use Humana One and it pays for 100% of preventative services. Basic services like fillings are relatively inexpensive, usually less than forty dollars. It also offers a very low cost for major services like root canals and crowns. There is no waiting period and there is no pre-existing condition exclusion. And it costs my husband and I only thirty dollars a month.
If you need good health insurance for your children there are several very affordable options. If you live in Georgia, you can get Peach Care for kids. It is only seven dollars a month per child and covers dental and vision. If you live outside of Georgia, you can try and apply for Medicaid for your child if you meet the income guidelines. If you do not qualify, check with your Department of Human Resources to see if they offer insurance for children similar to Peach Care. And if they do not offer any assistance, you child can go to your local health department as well and normally receive free vaccinations as well as preventative care and sick visits.
I have not really talked about what you can do if you are in an accident or have an emergency situation that cannot wait. First, go to your local county hospital. They have to treat you regardless if you can pay for it right then. After you are seen, call your hospitals billing department and ask them what kind of financial programs they offer for patients who cannot afford to pay their hospital bills. Usually you can fill out a form showing how much your family makes and all of your hospital bills can be wrote off at no cost to you. This is very helpful in keeping your credit good and avoiding unnecessary charges on your credit report.