Even patients with health insurance need help paying for medical care. Deductibles, copayments, and coinsurance leave leftover costs.
But that is not all.
Your insurance may not cover every procedure or treatment. Or, the doctor you want to see may not participate in-network with your plan.
Sometimes, we lose coverage when we need it most – during an extended disability. Learn ways to cope.
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The drawback is that you must enroll before any diagnosis, and could pay premiums for decades and never use the coverage. Patients diagnosed later in life see the advantages in living color.
You can use an FSA to get an interest-free medical loan without a credit check that saves you money on your taxes! Furthermore, patients with bad credit scores as low as 500 qualify for the financing.
Buying individual coverage on the state exchange could be the answer – provided you qualify for subsidies or meet Medicaid requirements in your state.
Many families do not discover the true cost of their healthcare coverage until they must pay the premiums themselves without an employer contribution, using post-tax dollars.
Nobody has to worry about getting the treatment needed to fight this dread disease. However, some people can face a maximum period of 12 months were they have to self-pay for costly medical services.
Fortunately, several pathways exist to short-circuit the delay.
Private companies, government agencies, and charitable organizations offer more than 50 different programs that can help patients with prescription drug costs and more.