You may have been convinced by your children or your friends to get health insurance, but you didn’t because what’s the worst that could happen? You’re healthy now, your family is doing well, you’re financially stable- everything’s well under control.
Flash forward 10 years, the worst is here.
You’re now either sick with some illness or your routine checkup is due.
Both ways, you can’t afford to pay medical bills because health is TOO expensive in this country. What do you do?
You ideally walk in a community clinic or a government hospital to be told that you should have insurance because otherwise the treatment is going to be very expensive.
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So, let’s talk numbers now.
How much is a doctor’s visit without insurance?
Ideally, a routine checkup will cost you around $100-$250. This is of course not fixed, any additional prescriptions or treatment will increase your bill.
Depending on where you live and what healthcare costs in your state, the rate could also be $300-$600 in 2020.
What happens if you go to the ER without insurance?
If you went through the hospital emergency room, the basic checkup bill could even reach up t0 $400-$600.
These are just average rates for a basic routine checkup, if more treatment is necessary the bill can actually soar up really high.
Urgent care centres do take patients who aren’t insured, and these are relatively cheaper than going to a hospital emergency room.
The average cost of an urgent care is somewhere around $100-$150, but that is just for the services. If they prescribe more tests or medicines, of course the medical bill could go a lot higher.
Of course. And you can simply walk in, no need for an appointment either!
Urgent care is a little more expensive than if you choose walk-in clinics, but you’ll get better treatment and services at urgent care because of more resources and experienced doctors available. They are more equipped to treat serious injuries and illnesses.
One great advantage of urgent care other than being cheap is that most urgent care centers offer their patients a payment plan if they can’t pay the money upfront. This type of facility is given to uninsured patients that come to urgent care, but however you choose to pay, urgent care is still a cost effective option for you.
Not being insured is one thing. You can still pay high bills if you’re rich.
Not having money is another thing.
The latter situation is applicable to so many people!
Imagine you or your wife get really sick in the middle of the night, you rush to the hospital and find out it was a stroke. Before treatment, the hospital asks for money, which by the way, you DON’T have. What do you do?
You arrange for money and if you can’t, you’re actually in a fix now.
Luckily, there are ways that you can see a doctor without insurance or money!
Here are some ways that can get you a lower price on medical bills:
Having health insurance is absolutely necessary especially in today’s world where hospitals literally charge you an arm and leg for bills.
But if you’re too adamant on not having yourself insured, you can have a contingency plan in place for the future.
Set up a savings account for your medical bills. Or your spouse’s. Every month deposit a small percentage of your income there and let the account grow. On the off chance that some medical emergency were to knock on your door, you would at least have money to pay off the expense.
Medical expenses are very expensive without insurance, and focusing on your health is very important. You can never control the situation of your health; it can go sideways any time. So keep a contingency plan in order and make sure you always have money to pay for medical bills.