วันอาทิตย์ที่ 8 กุมภาพันธ์ พ.ศ. 2552

Why Not Have Health Insurance

By Jordan FeRoss

Unfortunately, there are still many people without any health insurance in Texas. Obviously, this is a problem and everyone in Texas needs insurance. The good news is that there are many resources available to help people find the health insurance they need.

One place you can go if you don't have health insurance in Texas is a clinic that services a surrounding community. Many times they take in people that need health care, but may not have health insurance here in the state. You will be able to get quality care, but at a reduced cost. You would get some of the same benefits and medical services as you would if you did have health insurance. You would be charged on a sliding scale, based on your ability to pay. You can check online for more information about these kind of clinics.

People without health insurance in Texas may be able to qualify for special assistance if they are admitted to the hospital. There are many non-profit organizations that provide help with hospital bills to those in need. Since most hospitals are also non-profit organizations, many of them are able to work with you to lower your bill and make payment arrangements that are manageable for your budget.

For those investigating resources from the hospitals where they've received care, in-house social workers can be a wealth of information for patients on what special financing programs are offered. And, with financial counselors and specialized advocates, hospitals often prove to be the best friend to people without health insurance in Texas; working with patients to reduce their bills and discuss and arrange payment plans. There are also governmental agencies that work hospitals directly on behalf of patients without health insurance in Texas. No matter the route taken, there are extra steps to working with the hospital to pay off outstanding debt to them but it's far more preferable to ignoring the bills because they are overwhelming.

Another thing that can add to the cost of health care is the cost of prescription drugs. In the state of Texas, there are programs that will assist you with your prescriptions and other related expenses. Check for websites that can assist you in finding venues that can help you with the costs of your prescription drugs. This is a good idea, especially if you have a lot of drugs to take for your medical condition.

And, as mentioned earlier, even drug companies are helping defray prescription costs, with programs to help people without insurance get the medications they need at an affordable price. Pfizer and Merck are two pharmaceutical firms committed to assisting people lower their spending on medications. It is very difficult to live without health insurance in Texas, but with a little perseverance and resourcefulness, it's not impossible to get the care and attention you need, when you need it, often at a discounted rate.

If you are a veteran and don't have health insurance in Texas, you may be able to get medical care by going to one of the VA's medical facilities. The requirements for this are if you served on active duty and received either a general or honorable discharge. You will have to contact the VA facility in your area to get additional information.

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