In the United States, not having health/medical insurance can lead to very unsavory situations down the line. Therefore, even before we begin, it must be mentioned that you should try to maintain your medical insurance, even if it means cutting down on certain other expenses that are a part of your present lifestyle. Nevertheless, not everyone can afford to pay for health insurance, whether they cut back on their favorite expenses or not. Even though the options for them are somewhat limited, we have found a few effective ways to get cheaper, more affordable treatment in US, whether you have insurance or not.
A Look through the Available Stats
Obamacare -otherwise known as the Affordable Care Act (ACA) of 2010 – was supposed to make health insurance finally affordable for every American citizen, but it was not a complete success. Although the subsidies did make insurance affordable for a lot of people, roughly 8.5% of the US population (2018) still couldn’t afford it.
At that point in time, the percentage represented more than 27.5 million registered US citizens. After the global pandemic and recession which has hit every nation in the world, albeit with varying intensities, it is expected for that percentage to rise significantly higher by the end of 2020.
Most of us are aware that we can compare insurance costs, plans and quotes before choosing, but what we do not know is that there is a similar platform that can help us lower our medical expenses as well. Tripment provides a platform for patients to find general physicians, specialist physicians, dentists and orthodontists near them, and compare their visiting fees and procedural fees, before booking an appointment with one of them. What this means is that you could lower your overall medical expenses by finding the most affordable and immediately available specialist to provide you with the type of medical care that you need.
Transparency Can Help You
If it’s not an emergency or an urgent situation, but an elective procedure you want, you might just be eligible for a discount. Let them know that you or the patient party does not have medical insurance. It’s true that this may cause issues, depending on the particular medical facility concerned, but there is also a chance that you could be offered a discount that may or may not make the procedure more affordable. Unfortunately, this doesn’t really apply to urgencies or emergencies, where they would have been most appreciated.
If you tell the hospital authorities that you are willing to pay for a complete package with cash, advanced payment, then it is almost guaranteed that you will be paying a lot less than usual. Unfortunately, even with heavy cuts, paying a lot of money at once is not an option that everyone can afford. Ask if a payment plan is available, in case you are simply unable to pay for it at once, after or before the procedure. Payment plans, when present, will cost you a lot more money in interest down the line though. Nevertheless, for many of us, that is the only way to ever pay back those expensive, emergency hospital bills.
Nothing can be considered as a true replacement for medical insurance in extreme cases unfortunately, but these few tips are still proven methods to get decent treatment at affordable prices. Also, if you manage to find a kind doctor, he/she might be able to supply you with free samples, which would let you save a good amount of money on medication.