If you have no health insurance, finding out that you need an operation is likely to inspire a sense of panic. Medical issues are frightening on their own, but combining the need for medical care with financial worries takes the stress to a new level. However, you do have options. Depending upon the urgency of your surgery, there are several different strategies you can try to help make the cost of your operation a more realistic fit with your household budget.
Instructions
1. Look into government assistance programs. Even if you think you won't qualify, it's worth your time to try to apply for Medicaid and other programs. The programs are primarily intended for low-income people, but there are slightly different requirements for the disabled, pregnant woman, and children.
2. Apply for hospital charity care. It's common for hospitals to have assistance programs that pay some or all of the cost of care for people who have no insurance. Requirements vary, but most programs will state that you must meet certain income guidelines and not be eligible for any government assistance.
3. Consider community assistance. Churches and local service organizations often spend a great deal of time organizing fundraisers for people who are hit with serious medical expenses. If your condition is life threatening, this may be a way to help relieve some of the cost of your operation.
4. Spend time comparison shopping. Most people never think to question their doctors about the cost of medical treatment but it's becoming increasingly common for patients to inquire if they're getting their money's worth. Contact several different doctors for a consultation. Ask each about his fees as well as the cost for an operating room, anesthesia, and other necessary expenses. Get written estimates so you can refer to them at a later date.
5. Ask about in-house financing. Some doctors, especially those who perform a lot of elective surgeries not covered by standard medical insurance, offer in-house financing options to help make an operation more affordable. In certain cases, no interest payment plans may also be available.
6. Consider medical tourism. The concept is controversial, but an increasing number of people in the United States are traveling to other countries to obtain surgeries. If you decide to take this approach, research all potential safety considerations very carefully.
