Cash Medical Practice: Tips to Get Affordable Healthcare Without Insurance

HBI Blog / Cash Medical Practice: Tips to Get Affordable Healthcare Without Insurance

Healthcare is a basic necessity throughout the world. However, the rising cost of healthcare in the U.S. is an open secret and a matter of concern. In 2018, more than 27.5 million Americans, consisting of roughly 8.5% of the total population, had no health insurance at all. What’s concerning is that the above number consisted of more than 77,000 children.

Further research has shown that most of these uninsured Americans belong from families with low income with only one working adult. The prime reason for them not to avail insurance was the expensive health coverage despite subsidies provided by the ACA (Affordable Care Act).

Few Tips to Get Affordable Healthcare Without Insurance

If you are one of those millions of Americans with no health coverage, and all of your health expenses are out of your pockets, the following tips might help you reduce the cost:

  • Subsidized Health Clinics are located in both urban and rural neighborhoods across the country. These clinics offer  primary healthcare like parental care, vaccinations, and general preventive care like health screening and regular checkups. They also provide referrals for specialized treatments.

These clinics can be divided into two categories:

  1. Free (or Very Low-cost): Mostly supported by grants, charitable donations, and taxes.
  2. Sliding Scale Clinics: They treat everyone, but charge an amount as per your ability to pay.

National Association of Free & Charitable Clinics (NAFC), U.S. Health Resources and Service Administration (HRSA) are some places to find these clinics.

  • Retail Health Clinics are those in-house clinics that are conveniently located within drugstores, supermarkets, and stores like Walmart. Usually, they are staffed by physician assistants or nurse practitioners rather than doctors, to keep the cost down. These clinics provide care like:

Physical examinations and Vaccinations

Health screenings for school or work

Blood tests for sugar and cholesterol level checking

Treating common illnesses and minor injuries

The charges are 30-40% less than that of a doctor’s office, and around 80% less than emergency room

  • Direct Primary Care is also known as concierge medicine. Doctors or clinics using this model will charge you a flat monthly or annual fee, which includes most of the things. Cash medical practice fees might vary from one place to another but are much lower than that of insurance.

However, cash medical practice does not include things like surgery or hospital stays. For such an incident, it is better to be insured.

Above are some of the ways you can reduce (if not free) the overall cost of healthcare for your family. However, it is always better to be transparent with the healthcare providers regarding the insurance situation. In case they know, they can always find the best option for you that’ll be affordable.

Health Beyond Insurance can be the best online marketplace for you to get health and dental services with transparent pricing. HBI helps connect all self-pay patients with superior health and dental care providers. Visit our website today to end your search for the best available healthcare at an affordable price.

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