Injured Without Insurance: What Are My Options?
Start writing a post
Community

Injured Without Insurance: What Are My Options?

What is the cost of not having insurance in 2020?

44
Ambulance

At least 44 million people in the United States don't have medical insurance, and the generation with the most people living without health insurance are Millennials. This is pretty terrifying due to the high cost of health care in the United States and how difficult it has become to afford treatment for serious diseases.

Currently, any person under the age of 26 can still be claimed by their parent's insurance, but what happens after that? According to the U.S. Department of Health & Human Services, young adults have one option after turning 26 years old, it's called a special enrollment period. You have to fill out a form and apply, which doesn't necessarily mean you are guaranteed coverage.

Once you apply you have an option to choose plans and estimate prices based on what your income is. Another option you get is to qualify through Medicaid. To qualify you will need to have a limited income or a disability. After qualifying, you can enroll immediately. Keep in mind that every state has different rules and enrollment periods, this happens at the beginning of the year normally, so you will need to be quick and plan ahead.

Emergency Room Visits Without Insurance

Now, what happens if in the middle of trying to figure out a coverage plan, you get injured during an accident? If your injuries were severe enough where you need to go to the emergency room, you could pay between $150 - $3,000 depending on how bad your injuries are. If you are in need of critical care, you may be charged up to $20,000.

These costs may seem extreme, however, if you were injured in an accident while driving and it wasn't your fault, those medical costs may be paid by the guilty party. According to MaryAnna Penton, a Jackson personal injury attorney, you can recover medical expenses and other damages incurred in association with your injury, including non-economic damages like pain and suffering.

Non-Emergency Doctor Visits

If you are wondering where to go when you need to see a doctor but are worried about the price, you do have options. You can visit your local doctor, and ask how much out of pocket charges you need to be prepared for. They can still take you regardless of having insurance or not, you will just have to pay full price out of pocket. There are clinics available everywhere, you just have to do some research before going.

Community Health clinics also have affordable care. Every clinic's costs differ depending on your income, but there are many available. Further test results, x-rays, etc. will cost you extra, but the important thing is to see a medical professional before your illness or injury worsens.

States With The Most Affordable Health Care Access

Health care costs vary per state, and according to US News, here are the top 10 states with the best healthcare access and the most affordable.

  1. Connecticut
  2. Massachusetts
  3. Hawaii
  4. Iowa
  5. New Hampshire
  6. Rhode Island
  7. Vermont
  8. Wisconsin
  9. Minnesota
  10. Maryland
These states were chosen based on how many people are covered by health insurance, and how often people go to the doctor. The list also incorporates

States With the Highest Amount of Uninsured Residents

According to the U.S. Census Bureau, Texas has the highest amount of uninsured residents, followed by Oklahoma.

No matter your situation, you can get medical care if you need them. Affordable choices are available and if you are injured because of someone's recklessness, you still have options. Don't avoid the doctor because of the price, because you never know how severe it could become. If you ended up at the hospital after an accident that was caused by someone else, you can hold the guilty party accountable even if you do not have health insurance. There are many personal injury lawyers that will give you a free consultation, so you know whether you have a case or not.

Report this Content
This article has not been reviewed by Odyssey HQ and solely reflects the ideas and opinions of the creator.
Featured

What Your Car's Color Says About Your Personality

Your color choice speaks volumes. It doesn't just emit an image for the car, it also says something about your style and personality! It's a form of self-expression. Are you confident? Are you sophisticated? Are you easy-going? Are you outgoing? Are you practical? As you're reviewing car sites for your next car purchase, what color will you opt for? Find out what certain color choices says about you!

97040

When it comes to car shopping you likely have certain preferences, including what color it should be. Your color choice speaks volumes. It doesn't just emit an image for the car, it also says something about your style and personality! It's a form of self-expression. Are you confident? Are you sophisticated? Are you easy-going? Are you outgoing? Are you practical? As you're reviewing car sites for your next car purchase, what color will you opt for? Find out what certain color choices says about you!

Keep Reading... Show less
Featured

30 Songs On My Back-To-School Playlist For Walks To And From Class

Headed back to in-person classes means you need a pretty banging playlist to power you through those walks to class.

85274
Photo by Zen Chung on Pexels

I don't know about you, but I start each day off with a one-mile walk to class. I have to have good tunes flowing through my ears during those 20 minutes, not to mention the walks between classes and the walks home. So, here is my 30 song playlist to get me through this almost unfamiliar concept we call walking to class.

Keep Reading... Show less
Featured

Be Kind to Yourself: 8 Mental Health Tips to Try

One way you can improve your quality of life is to take care of your mental health. As a result, you'll feel less depressed and be able to enjoy spending time with friends and family more often. These mental health tips might be just what you need to forget about your problems.

50190

One way you can improve your quality of life is to take care of your mental health. As a result, you'll feel less depressed and be able to enjoy spending time with friends and family more often. These mental health tips might be just what you need to forget about your problems.

Keep Reading... Show less
Featured

Should You Own An SUV If You Live In A Snowy state?

There are many reasons to own an SUV. If you live in a cold state or a rural area, you will see that owning an SUV is very important.

45971

The gas and oil prices are too high to run in a smaller vehicle. You are better off with an SUV for hauling cargo and driving larger loads around the town. In addition, owning an SUV is more comfortable and safe than driving a smaller vehicle.

Keep Reading... Show less
Featured

Understanding Why Dog's Lick You

It is a natural instinct for dogs to lick

58111

Why do dogs lick?

Keep Reading... Show less
Facebook Comments