Health insurance premiums are exploding and deductibles growing higher than ever, it is not unusual to find yourself in a situation where you’re searching for solutions on what you should do if you are unable to afford the cost of a medical professional. There are a few possibilities that could be suitable for you.
Prepare Ahead
There are some things that are simply a fact of the world. You will at one point require medical assistance for whatever reason, whether it’s the simplest throat test to diagnose a sore throat or emergency room visit for Xrays to treat an damaged arm. One of the best methods to plan for emergencies is to save for it.
Let’s take, for example an insurance policy with a high-deductible. A Health Savings Account will aid you with visits to audiologists, your primary healthcare provider, as well as other medical providers. The HSA can assist you in fund the expense from your own pocket, so that you won’t need to search for information on how you can make a payment to a doctor.
For those who have Medicare and Medicare Advantage, there’s another option: to enroll in additional insurance. Supplemental insurance can be used as a way to reduce the high deductible policies. It will help even if you’re in a hospital and require a visit to a specialist.
If you are a Medicare participant, such as TMJ therapy by a dentist will not be included. It is necessary to pay for it out-of-pocket. If you are enrolled in a Medicare Supplemental Plan, it is likely to be able to pay for the expense of the treatment. The strategies mentioned above will help over the long run, but not for the present. Find out more to what to do if you don’t have the money to see a doctor today.
Sliding Scale Payments
There are many communities that offer community health clinics that operate on “sliding-scale pay”. Sliding scale payments are figured out based on your income. This type of information is for you if you seek ways to reduce your medical expenses.
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