About no medical insurance
Introduction
Medical insurance is the policy that covers the insured person such that it caters for the hospital bills of the insured in case they fall sick. A medical insurance is very helpful especially when a person falls sick in times of financial constrain. Medical insurance quotes are rising making it difficult for some people to afford the insurance though they may be willing to purchase one. However, having no medical insurance does not mean that there will be no treatment even without money. There are many options available for the people who need urgent medical care but have got no medical insurance to cater for their needs. The following are some of the ways in which a person can survive with no medical insurance.
Non profit hospitals
Non profit hospitals are the hospitals that are set up by the non profit corporations and they are mainly based on the charitable principle. They are different from the government and private owned hospitals as they aim at providing medical care and support to people who cannot afford it. The non profit hospitals are increasing and they aim at getting enough money to keep them running according to the required standards. These hospitals provide urgent medical care to the people with no medical insurance and money as well. In some cases, they will often write off a certain portion of the hospital bill making it affordable for the patient to settle the bill. Sometimes, these hospitals help people with low incomes and no medical insurance to set up low and affordable payment plans so long as they provide proof of their income.
Government hospitals
Government hospitals also known as the public hospitals are the hospitals that are owned by the government whose main purpose is to improve the health of the public as a whole. These government hospitals are funded by the government and therefore, they should offer service to the public free of charge. A person with no medical insurance can be treated in the public hospitals which have qualified doctors. In a government hospital, an individual with no medical insurance is treated, undergoes all the required medical procedures and is provided with the necessary medications hence no cost is incurred by the patient.
Tips
- There are also many prescription assistance and drug programs that are available to help individuals with no medical insurance and cannot afford to purchase the required drugs. These programs aim at providing medications to people who suffer from various illnesses that may be long term yet they have no medical insurance and cannot afford to purchase the drugs.
- People with no medical insurance should learn to visit the medical learning centers near them as they provide free medical care and others offer their services at some very low but reasonable costs.
- If treated in a particular hospital and you have no medical insurance, it would be good to visit the hospital's billing office and explain your situation. Most hospitals will waive the bills incurred if there is proof of little pay or no job at all.
