Millions of people don’t have health insurance, and that doesn’t seem to be changing much. Are you one of them?
Whatever your reasons (price, principle, whatever), we want to show you affordable solutions that can help you save money on healthcare.
You could choose to buy all of these services or maybe just one. Our goal is to show you some ways you can get affordable access to healthcare and/or a bit of protection against a major expense.
Here are 3 options, listed in order of price:
1. Tele-medicine. If you don’t have health insurance, going to the doctor is expensive. (Often it is even if you do!). But what if you could access a real doctor licensed in your state without an office visit? And what if you could get that access 24 hours a day, 7 days a week, 365 days a year?
A tele-medicine service will provide you access to a doctor over the phone or via a secure video link so you can ask questions and even get diagnosed and get a prescription for some basic conditions. That saves you time and money.
You can get access to tele-medicine for as little as $9.99/month for your whole family, with no copays or contracts.
2. Accident insurance. If you and your family are active and reasonably healthy, your greatest risk of a major healthcare expense is probably something that would result from an accident. We’re thinking of sports injuries or a fall or some other random accident.
The good news is that you can get an accident insurance plan that would pay you up to $5,000 per accident for $45/month. That would cover your whole family! The price for covering a single individual is only $40/month. This is a fraction of the price you’ll pay for a health insurance plan and it can save you a lot of money.
3. Short-term health insurance. If you still want to have catastrophic protection against major medical expenses, but can’t afford or don’t want to deal with Obamacare, consider getting a short-term health insurance plan. You’ll get the catastrophic coverage you need for major expenses at a significantly lower price.
A couple disclaimers: You won’t get coverage for pre-existing conditions, and it’s possible you won’t qualify for coverage at all. Because they are in place for less than 12 months, these plans are not Obcamacare compliant, meaning you could still be penalized by the government. But even with the penalty, you’ll find that you will probably still save money.
There are other types of coverage you might consider, but we think some combination of these three things would give you some affordable help getting healthcare outside of Obamacare. Questions? Contact us to talk further.