{"id":2525,"date":"2020-01-07T21:54:36","date_gmt":"2020-01-07T21:54:36","guid":{"rendered":"https:\/\/healthdrum.com\/?p=2525"},"modified":"2021-10-12T16:25:27","modified_gmt":"2021-10-12T16:25:27","slug":"dealing-with-health-bills-when-you-dont-have-health-insurance","status":"publish","type":"post","link":"https:\/\/healthdrum.com\/blog\/dealing-with-health-bills-when-you-dont-have-health-insurance\/","title":{"rendered":"Health Bills When You Don\u2019t Have Insurance"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Dealing with health bills when you don&#8217;t have health insurance is a hot topic in the United States. There is great concern for anyone who goes without coverage. However, what many of us don\u2019t realize is that despite being covered by health insurance plans, we\u2019re still paying too much for our healthcare needs. In addition to paying high costs for a chosen plan, we are also told what doctors we can see and what procedures we can have done. In reality, most people want to make their own health decisions and manage care on their terms. <\/span><a href=\"https:\/\/healthdrum.com\/\"><span style=\"font-weight: 400;\">A digital health platform that helps with non-emergency care and offers affordable direct pay could be the solution we need.\u00a0<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">One of the easiest ways to take charge of healthcare costs is to start by not incurring them in the first place. We need to adopt smarter lifestyle choices:<\/span><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Don\u2019t smoke<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Don\u2019t take drugs<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Don\u2019t text while driving<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Avoid risky hobbies<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Minimize alcohol intake<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Exercise<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Eat healthy by minimizing high fat foods and consuming more fruits and vegetables<\/span><\/li>\n<\/ul>\n<p><strong>Dealing with health bills when you don&#8217;t have health insurance<\/strong><\/p>\n<p><strong><i>Non-emergency care:<\/i><\/strong><\/p>\n<p><span style=\"font-weight: 400;\">Take time and shop around. <\/span><a href=\"https:\/\/healthdrum.com\/providers\"><span style=\"font-weight: 400;\">Most physicians, specialists, urgent care and outpatient clinics offer affordable healthcare.<\/span><\/a><span style=\"font-weight: 400;\"> Therefore, we can feel comfortable asking for the cost of tests and treatments in advance. We can also request reduced rates and negotiate healthcare pricing. Pay what you can &#8211; do NOT use regular credit cards.\u00a0<\/span><\/p>\n<p><a href=\"https:\/\/www.thebalance.com\/paying-medical-bills-with-no-health-insurance-2385907\"><span style=\"font-weight: 400;\">https:\/\/www.thebalance.com\/paying-medical-bills-with-no-health-insurance-2385907<\/span><\/a><\/p>\n<p><a href=\"https:\/\/www.moneyunder30.com\/paying-medical-bills-you-cant-afford\"><span style=\"font-weight: 400;\">https:\/\/www.moneyunder30.com\/paying-medical-bills-you-cant-afford<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to healthcare &#8211; knowledge is king! We need to do our homework. <\/span><a href=\"https:\/\/healthdrum.com\/patients\"><span style=\"font-weight: 400;\">It\u2019s important to get an idea of costs before seeing a physician.<\/span><\/a><span style=\"font-weight: 400;\"> Be sure to find out what is involved with the test or treatment that is being performed.<\/span><\/p>\n<p><strong>Other options for dealing with health bills<\/strong><\/p>\n<p><strong><i>Consider:\u00a0<\/i><\/strong><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Healthcare sharing ministries<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medical tourism\u00a0\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Crowd-funding<\/span><\/li>\n<\/ul>\n<p><strong><i>What to look for AFTER emergency care:<\/i><\/strong><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Billing errors<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Up-coding<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Unbundling of services<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Duplicate billing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Mismatched coding\u00a0<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/money.usnews.com\/money\/personal-finance\/debt\/articles\/how-to-get-help-paying-medical-bills\"><span style=\"font-weight: 400;\">https:\/\/money.usnews.com\/money\/personal-finance\/debt\/articles\/how-to-get-help-paying-medical-bills<\/span><\/a><\/p>\n<p><strong><i>Also consider:\u00a0<\/i><\/strong><\/p>\n<ul style=\"line-height: 1.6;\">\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Setting up a monthly payment plan<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Seeking a billing advocate<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Asking hospital (if non-profit) for financial assistance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Government and State assistance programs<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Personal loan<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cashing in a life insurance policy<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Health credit line<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Crowd-funding<\/span><\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.goodrx.com\/blog\/what-to-do-when-you-cant-afford-your-medical-bill\/\"><span style=\"font-weight: 400;\">https:\/\/www.goodrx.com\/blog\/what-to-do-when-you-cant-afford-your-medical-bill\/<\/span><\/a><\/p>\n<p><span style=\"font-weight: 400;\">Finally, don\u2019t ignore medical bills. Failure to make an effort to pay can result in an account being turned over to a collection agency. As a result, this may cause credit issues.<\/span><\/p>\n<p style=\"text-align: center;\"><span style=\"font-weight: 400;\">Written by HEALTHdrum<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Dealing with health bills when you don&#8217;t have health insurance is a hot topic in the United States. There is great concern for anyone who goes without coverage. However, what many of us don\u2019t realize is that despite being covered by health insurance plans, we\u2019re still paying too much for our healthcare needs. In addition [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":2532,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"","_et_pb_old_content":"","_et_gb_content_width":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[33],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Health Bills When You Don\u2019t Have Insurance | HEALTHdrum<\/title>\n<meta name=\"description\" content=\"Dealing with health bills when you don&#039;t have health insurance is straight forward since direct pay affordable care for routine condsitions is easily found.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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Subsequently, he completed fellowship training in Pediatric and Adult Reconstructive Urology at the Eastern Virginia Medical School in Norfolk, Virginia. During his time there he also undertook NIH sponsored, pioneering research on \u201cUrinary Bladder Reinnervation\u201d earning him the honor of a Masters of Surgery Diploma through the University of Otago, New Zealand. Dr Vorstman returned to Miami to become a board-certified faculty member in the department of urology, Jackson Memorial Hospital, University of Miami. Eventually, he left academic practice, moved north to Coral Springs and established Florida Urological Associates pa (www.urologyweb.com) in 1987. Dr. Vorstman is passionate about consumer-directed healthcare and helping men diagnosed with prostate cancer navigate the minefield of prostate cancer misinformation. 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