How To Get Health Care Coverage When You’re Injured or Sick

How do you get health care coverage when you find yourself in a bad financial situation? While everyone needs health insurance, not everyone is able to get it.

If you don’t have health insurance because the company you work for has cancelled their coverage, or because your independent health insurance plan has got to expensive to keep, or because you are not able to get a job, then you are not alone.

When you simply can’t afford to get traditional health insurance, then there are a number of ways that you still get medical help. Try out one or more of the following suggestions:

  1. Try Medi-Cal if you live in California.

California offers health care coverage for residents who meet their basic eligibility requirements. The Medi-Cal program is funded by federal and state government. While it is managed by the state of California, individual counties determine Medi-Cal eligibility.The program is designed to assist a wide range of people who can’t get regular health insurance. Approval is based on factors such as citizenship, age, disability, and medical needs.

  1. Try AFLAC

Technically, AFLAC is not health insurance, but it offers plans that will cover the flat costs for specific illnesses. Unlike regular health insurance, it’s affordable—under $100 a month. In return, it will pay out thousands at the time you need to cover an illness. The company pays you directly, so you don’t have to run it by a healthcare provider to see if they will accept it. So, if you go to the hospital, they will give you the money you need to pay your medical bills.

  1. Try a small medical clinic.

Many retail outlets now have small medical clinics. This is an alternative way to get care if you can’t afford health insurance. They take care of minor issues. One example of this type of service is Walgreens Health Care Clinic. If, for instance, you have an ear ache, you could visit this type of walk in clinic to get some help.  A Family Nurse Practitioner or Physician Assistants will diagnose the condition, and if it’s due to an infection, then they will prescribe medications. A visit costs about $89 while prescription medications can be around $100. These costs can be further reduced by getting a plan. An office visit cost will drop by $10 while the cost of prescription medications will be reduced to only $20 for each medication. If you can’t afford a prescription med, then there may also be a non-prescription alternatives available for the problem. This is possible because as new prescription formulas are developed, older prescription medications are offered as off-the-counter products.

  1. Take better care of your health.

Prevention is said to be the best cure.

There is much you can do to stay healthy and well:

  1. Eat a balanced diet of carbohydrates, proteins, and healthy fats.  Take a multivitamin mineral supplement as added insurance in case you’re not getting a certain vitamin or mineral from your diet.
  2. Stay hydrated throughout the day. A good rule of thumb is to base how much water you drink on how much you weigh. So if you weigh 180 pounds, you should drink at least 90 ounces of water. Also, be sure you drink clean water. As the recent crisis in Flint, Michigan, illustrates just because water is regulated by the local government, it doesn’t always mean it’s healthy water. In Flint, it was found that cost-cutting measures by municipal authorities led to residents drinking contaminated water high in lead and other dangerous toxins.
  3. Do some exercise. According to the Mayo Clinic, The Department of Health and Human Services suggests a minimum of 150 minutes of moderate aerobic exercises or 75 minutes of vigorous aerobic exercise every week.

Insufficient or no health insurance affects millions of Americans across the nation. Many people have been forced to drop their health care coverage so that they cover the basic cost of survival. All things considered, many people simply can’t afford to pay health insurance premiums any longer in today’s turbulent economic times.

 

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