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How do you deal with not having health insurance? |
What do you do for emergencies, a nail went through my hand from an nail gun. Because my husband is self employed and I work in a small office niether of us have health insurance as well. I have seriously thought about getting a policy for just us, but it is so expensive. I have found that when we don't have insurance (I have had it in the past w/2 other employers) we don't really use it that much. So what we do is have a special savings account just for medical emergencies. I put $25 or so in the account a week, if hubby makes a little more on a job, then I add more. Then if we need such things as ER visits, Dr's visits, or prescriptions, I pay for it from that account. That way then I know I am paying for what I am using. But the downside to this is that some physicians don't take cash customers. But remember that most hospitals (I don't believe private hospitals have to) have to treat you regardless if you have insurance. I dont know where you live, but you may be able to apply for Medicaid as well. It is easier to get Medicaid for children, but if you have children 18 and under living in your home, then you are eligible as well. Also, remember that you can make payments to the hospital. I have done this in the past and as long as you pay something and keep doing it, they are happy! Source(s): Personal experience! When I didn't have any I went to clinics and if there was an emergency like a nail in my hand from a nail gun, go to the emergency room. By law, no emergency room can turn you away. Um.. well I have health insurance but if i was you i'd go to the hosptial and get it taken care of. yes it will be expensive but you could have done major damage to nerves & muscles in your hand.. good luck & might I suggest getting health insurance.. its really not THAT MUCH.. :-)) Nursing Student Go to the local emergency room. Most county run hospitals will not turn you away. It will cost you, but since you aren't spending a big chunk of money on insurance premiums each month, you can afford it. If you have no income or were working at the time, the hospital will work with you. Whatever you do, do not avoid medical treatment in this case, an infection will cost you a whole lot more in the long run than getting treated now. We don't have insurance and we just don't go to the doctor. I would love to have a pap smear because I have had abnormal cells in my uterus. It is bothering to me that som many of us cannot get simple preventative care. We have never had an emergency, tho. If you have a nail through your hand from a nail gun, you should go to your doctor - but he or she will send you to the emergency room. |
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