There is no secret that the costs of medical insurance are on the rise. In fact, they are getting so out of control that many people in California cannot afford coverage and go without. If you are one of the many people who so not have medical insurance, you may wonder what will happen if you do need medical care.
The reality is that if you do not have insurance, you will generally have to pay upfront in cash to get treatment at a doctor's office. You can also get care at an emergency room. Sometimes you can be billed later or make payments. However, it can be hard to find places that will do this.
According to U.S. News and World Report, if you do not have insurance, your best option is to find affordable medical care. You can do this by going to clinics that offer reduced or free care. You can also look for providers who are cash-only. This means they do not accept insurance. All payments are made in cash, so they already have a set up to help people like you. Many times, a cash-only provider offers services at lower costs because they are not dealing with all the work involved with insurance and have more freedom to set their own prices.
You can also negotiate prices with providers to get the best price they can offer. You can do this before you see them or even after. It is also a good idea to shop around and compare rates just as you would if you were buying a big-ticket item. This information is for education and is not legal advice.