Affordable Healthcare Resources for the Uninsured or Under-Insured

Even for those of us who may not have any health insurance, it is still critical to stay on top of check-ups, screenings, and prescription medication needs. It’s important not only for your health and wellbeing, but also for your bank account. If you end up becoming ill or wind up in the hospital due to a condition that you ignored, it could result in large big-time medical bills for you and your family. Even if you’re uninsured or under-insured, you can still get the healthcare you need.

 

Community Health Centers

Community health centers (CHC’s) are federally run organizations that provide primary healthcare and dental care to patients of all ages. Many of them offer a wide range of services including Pediatrics, Gynecology, X-Ray, and Behavioral Health are among many of them. The cost for services at CHC’s are based upon is based on a sliding scale, which means that the amount you are charged will vary depending on the patient’s income. These CHC’s are most commonly known for providing their services at very low and affordable cost.

 

Walk-in Clinics

Mini-clinics are located in drugs stores such as Walgreens and Wal-Mart. These are walk in clinics that are located across the country staffed with physician’s assistants and nurse practitioners who are able to prescribe medications for common sicknesses and infections. Many walk-in clics are open 24-hours, and do not require an appointment or referral. The visits generally take only about 15-20 minutes. Some clinics even provide preventative screenings for conditions such as high blood pressure, diabetes, and high cholesterol.

 

Reduced Doctor Fees

Many people do not realize that many doctors would be willing to accept less than the typical asking price for their services when it comes to uninsured patients. There are a few different reasons as to why a doctor would be inclined to do so. The first being the fact that many times the amount that you pay is more than the contracted amount that a doctor would receive from a patient’s insurance company or Medicare. Most doctors are more than willing to provide a cash-paying, uninsured patient with a reduced rate or payment plan. By doing so, the doctor receives the payment rather immediately, where it normally would take months or even a year to be paid through a private insurance provider or Medicare insurance.

 

Telephone Doctor Services

This program is a 24-hour telephone medical service. For a low fee, they will connect you with a physician by telephone that can diagnose minor ailments such as migraines or strep throat, and then call in a prescription for you or your child. Programs like Consult A Doctor or Teladoc are not replacements for primary care physicians, but it serves as a cheaper alternative to a doctor visit for something as simple as your child’s sore throat prescription.

 

 

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