Cheap Health Insurance?

By Anonymous Latest Reply 2009-03-29 09:48:20 -0500
Started 2009-03-21 14:07:02 -0500

Where can I find cheap health insurance. I am not working and having a hard time paying for doctor visits and medicine. Been a diabetic for 10 years and starting to have leg and feet pain. Having a hard time finding a doctor where I live to help me with no insurance. And suggestion will be highly appreciated.

14 replies

Anonymous 2009-03-29 09:48:20 -0500 Report

When I had no insurance I used the Mission of Mercy. They are a FREE health clinic that is provide my "Christian" people, also some cities have a free clinic that you could use for your medical needs. Good Luck, I was there once too.

BeckyJ 2009-03-22 14:53:44 -0500 Report

I faced this myself last year when I had to quit working. Because I also have a mental health condition I was turned down by several insurance companies or would be required to pay extra for an ammendment clause. I just wasn't able to afford that. My doc suggested I apply for disability and I am still waiting for that to go through. However because I am in the application process I am eligible for the state medical assistance plan (Medi-Kan in Kansas)through the Department of Social and Rehabilitation Services. This is good for 1 year or as long as the application process takes. I found the number in the telephone book under the blue pages. I pay $2 for office visits, labs are covered at no charge and most prescriptions are $3. Those not covered under their plan I was able to find through Wal-Mart. I also get lots of my meds by sample. One particular script if I didn't receive samples was going to be $375 a month. There are a lot of companies out there that will help with low income/no income patients. You just have to look for them. Good luck on finding something in your area. I know it's a lot of work and sometimes very frustrating but in the end your health is most important. Call and ask about sliding scale if you don't meet the eligibility requirements for assistance. Most Doctor's are willing to work with you if they are aware of your situation. God Bless.

ksdeb 2009-03-22 17:20:29 -0500 Report

Thanks. I will check into the Medi-kan and SRS.

Tulsaboyw 2009-03-22 22:36:30 -0500 Report

IN my state (OK) …they have INSURE OKLAHOMA but I havent fullhy checked it out.

It definately handles diabetic stuff better than my current cobra based insurance.

If doable I hope to get the INSUREOK as its 1/10 of the cost of my cobra coverage…

Time will tell.. INSUREOK is a state based coverage.

My regular insurance doesnt cover brand so I cant get diabetic stuff.

THe insureok plan would save us.
But I dont yet know if it will be good enough to dump my expensive coverage.

Time will tell.

charh1993 2009-03-22 13:29:21 -0500 Report

I am in the same boat with Health Insurance. I was suppose to go to see my doctor this month but with no insurance I can't afford it. I also can't afford all of my meds so I have gone off of two of them.

ksdeb 2009-03-22 17:18:03 -0500 Report

I agree. But we need to find some way to take care of ourselves. If I find out anything I will let you know.

rbergman 2009-03-22 10:16:59 -0500 Report

I too have no insurance, this was part of my reason for "giving up" on taking care of my diabetes. Recently I decided I better do something so I contacted a local doctor office, explained my situation and they set up my appointment. The labs alone were close to $300 but when I got the bill and talked to the doctor about it she said to call them right away and make some sort of arrangements. My doctor visits themselves are also set up to pay what I can each month until I get them paid off. The medications I'm on aren't the most expensive but add up as well, ask about samples from your doctor, one of my medications I receive from her free of charge by using the sample packs she is given by the pharm. reps. She put me on Metformin as well, at our local privately owned Pharmacy it was $22 for 1 month, I asked her to write a 3 month script for it and I took it to Walmart in the city when we had to go there Friday anyway and it was only $10 for the 3 months supply. You can also apply for medications with the Pharmacutical companies themselves, Merck for example will send the meds to your doctor's office in your name, free of charge or at a reduced cost, then you just pick them up at the doctor office. I find the testing supplies to be the biggest challenge and unfortunately I haven't found a cheaper route for these but recently contacted Abbot (who makes my meter and supplies) in writing to see if they have some sort of program, I just did this last week so I haven't heard anything back from them yet.
I have some other medical conditions that are related to my diabetes as well, I have the pain and tingling in my feet and I have a skin condition on my legs linked to my diabetes which I had to see a dermatologist for last week, the visit was expensive but after I explained to the doctor that I'm self pay he was able to find a medication for me that was also only $10/3mo supply at Wal-Mart. There was a different treatment that involves injections that would work quicker but is much more costly so he suggested we try this prescription first and turn to the injections as a last resort, especially considering his office is 100+ miles from my home.
Another thing we did was to get a pre-paid credit card at Wal-Mart as we do not qualify for a regular credit card and I really wouldn't want one anyway, just causes more money issues in the end. Anyway, because the Wal-Mart is also in the same city as the Dermatologist and they are cheaper on prescriptions by getting this pre-paid credit card, the next time my scripts are due, I can just call the pharmacy and order them over the phone and use the credit card and they will mail me my meds so I don't have to make that drive just to pick them up.
I don't know your "family" situation, married, single, etc, however I would check into public assistance, medicaid, as well. I personally don't qualify as an adult but our children do qualify and therefore all our daughter diabetes, thyroid and kidney medications are covered as well as her visits. There are other programs in several states as well, such as Catholic Charities, Salvation Army and other church related programs, you don't have to be catholic or any specific denomination to apply for these programs they only require that you qualify by income guidelines most times. You can do a search of your home area on the internet to see if any such programs are in your area, if not check with your local social services office or human services (each state calls them something different it seems) and ask them what programs they know of that may be able to help you out.
I myself have done this, you just have to learn you cannot be too proud to ask, they don't know you need help unless you admit you do, it may feel embarrassing to ask for assistance but in this day and age you do what you have to do to get help.
I wish you the best of luck with this as it isn't easy but you don't know unless you try.


ksdeb 2009-03-22 17:16:22 -0500 Report

Thanks for all your help. I will try and do what you said. But I am like you the nearest Walmart is 2 hours away and the town I live in is about 300 people. But I will check into it. Thanks again.

bigjrm45 2009-03-21 14:36:40 -0500 Report

every State has a health and welfare dept. they can get you Health Insurance if you do not make enough money on your own.I have Medi-Cal [state insurance ] and Medicare [SSI insurance] hope this helps . James

GabbyPA 2009-03-21 14:19:32 -0500 Report

I am uninsured also and instead of throwing that money away, I try to pocket a "payment" here and there to cover costs. I also called my local hospital for "chreitable programs" and they directed me to a clinic that works on a sliding scale. I go there now. Not the greatest, but better than nothing.

jsd2005 2009-03-21 14:17:18 -0500 Report

Unfortunately, there isn't anything out there that is cheap. 365.00/month is about as cheap of coverage as you will find.
what about public aid? They can assist you in finding some type of coverage until you can afford it. Otherwise, your best bet is going to be to find a free health care clinic in your area.

Anonymous 2009-03-22 08:13:41 -0500 Report

You Can find health insurance cheaper than this. You don't know if he/she is single or married. Alot of factors play into the cost of medical insurance.

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