I am a college student. I do not have health insurance. I also have very little money because I have used most of it to pay my college tuition. I have an elbow problem. The surgery should be about $15000 and i have no insurance, and my parents will not pay. I only have about $700 in my bank account. Do i just have
I am a college student. I do not have health insurance. I also have very little money because I have used most of it to pay my college tuition. I have an elbow problem. The surgery should be about $15000 and i have no insurance, and my parents will not pay. I only have about $700 in my bank account. Do i just have to wait until i graduate a get a job that provides insurance? I don't know what to do because the condition is getting worse, and the longer i wait, the less likely the surgery will work. Thanks for any advice.
Your parents do not have to pay if you qualify under their health insurance plan. Anything remaining due after the insurance pays, would be your responsibility. However, if you no longer qualify under their plan, then you need to buy your own health insurance. The fine for not having it is currently about $700. Either get a part-time job and start saving or wait. You may not need the full amount up front. If you save a significant amount, they might do the operation, on the basis that you will continue to pay so much monthly. If you manage to do that, don't get behind in payments. If they turn you in, you can add the fine of $700 to that. Every year, the fine increases.
Does your college allow you to not have insurance?
Most schools require you to have health insurance. Some will even add insurance into your tuition if you don't have your own.
You are lucky, because right now is the enrollment period for health insurance. You can purchase insurance now and it will be in effect on Jan 1, 2017. You can have the surgery after that. You can get a part-time job to pay the premium to cover the cost of insurance and any out of pocket expenses for the surgery.
If your state offers Medicaid for all low income people you may qualify for that. If not, you can buy insurance and get a heavy subsidy for the premiums.
You can also become a member of a county or city health clinic and see a doctor. If they refer you for surgery to the county or general hospital the hospital may write it off, or a Catholic hospital which has charity cases. You can purchase insurance right now on the state/federal exchange, then get your surgery done.
Enroll in an insurance plan and then have the surgery. The money you will spend on premiums will save you a lot in medical expenses. The discounts alone that your insurance gets will be worth it.
Talk to your doctor most cases they will work with you in setting up payments. hey may make you pay some installments before hand to ensure worthiness. they will even discount their own services for those that have greater need. most reputable drs will anyway. it never hurts to ask. I had a trilateral fracture to my left shoulder. with no insurance. I needed surgery to make sure the bone set properly. wasn't 100 percent necessary but still highly recommended. I talked with the dr and after negotiating with him he did it for 10 percent his normal charge. I also had to negotiate with the other drs as well hospital and anesthesiologist. overall a 15k bill was talked down to a total of around 4k.
I would go to Canada. Or see if you can t find your way to Cuba for a stint. Actually I would look into getting health insurance through the University. I got insurance through my university and the rest they added to the student loans I took out. I would certainly check it out.
Buy insurance through the school, just confirm no pre-existing condition exclusions exist.
Or, ask to be added to your parents plan as of open enrollment.
If your parents have insurance, they can put you on their until you're 26
You do not have to wait until you graduate.
You have to go immediately to heathcare.gov or the exchange for your state, and sign up for insurance that will start soon, even if you don't have a job.