41 comments on “Ways to Save Money on Health Care if You are Uninsured or Underinsured

  1. Kim, these are all great tips! As you know I’ve had two surgeries recently. I wish I had gotten my allergies tested and treated better – I might have been able to skip these two surgeries because my sinuses would not have been so swollen from allergies. I’d say people should not hesitate taking preventative care if they know something is wrong. Routine physicals are a great way of accomplishing this!
    DC @ Young Adult Money recently posted..4 Things I would be more interested in if I was WealthyMy Profile

  2. Great tips Kim. When I was in college, I definitely used the schools of optometry and dental hygiene. They were easy, cheap, and always looking for people to fill their schedules. Also, thanks for reminding me that I really need to get in to see the dentist and the eye doctor. I will put that on my “to do” list.
    Greg@ClubThrifty recently posted..How to Buy a Used Car Like a BossMy Profile

  3. Great stuff here. Avoiding healthcare is a lot like avoiding retirement savings. If you put it off today, it’s just more likely that it will be much worse to deal with tomorrow. I think that the growth in alternative options like the ones you’ve mentioned can only be good. As consumers, we need to be more conscious of what we spend on our healthcare, not to avoid it but to make sure we’re getting it at a fair price.
    Matt Becker recently posted..Bad for the Budget. Good for the Soul.My Profile

  4. These are all great ways to save money. I think preventative care is the biggest one and most often overlooked. People don’t normally go to the doctor unless they’re actually sick (myself included), but it’s much cheaper to prevent an illness rather than just treat it after you get it.
    Jake @ Common Cents Wealth recently posted..The Liebster Award!My Profile

  5. “… if you use some of John’s budgeting advice, I’m sure there is a way to fit it in.” While John’s budgeting advice is indeed excellent, this is a rather cavalier statement! There’s a reason medical expenses are the #1–by far–cause of bankruptcy in the US: People can’t afford health insurance, or the insurance they can afford has poor coverage. It’s easy to criticize as irresponsible folks who don’t have health insurance, but when you have to choose among shelter, heat, food and health insurance, it’s any easy–though as you rightly point out, risky–choice. And in the real world, many do have to make such a choice. Sad, but true…
    Kurt @ Money Counselor recently posted..Wall Street Breaks RecordMy Profile

    • I completely agree, but I see people every day who do not have insurance because it’s a choice. There was a lady I go to exercise class with who wrecked her Harley recently, broke her pelvis, and had a severe head injury. No insurance. If you can buy a Harley, you can afford insurance. Even if someone gave it to you, you an sell it and buy insurance. If you truly are poor, you should qualify for Medicaid under the new health care laws. That wasn’t always the case, but it’s entirely based on income now. I’m sure there are people in bad situations, but I would say the majority choose not to buy insurance or don’t know how to look for a plan if their employer doesn’t offer it.
      Kim@Eyesonthedollar recently posted..Can You Stop Someone Else’s Bad Choices?My Profile

  6. Taking care of your health is so important. And sadly, it’s something many people don’t think about until something happens and their in a pinch, a bit like savings. I definitely agree there is a subset of uninsured who could afford it if they made it a priority. I also think there is a small subset that makes too much to qualify for assistance but that wants health care and generally struggles to afford it.
    Shannon @ The Heavy Purse recently posted..How to Teach Your Kids to Think about DebtMy Profile

  7. Good article Kim! I am trying to do everything I can to live a healthier and balanced lifestyle. Running more, eating less sugars and fat, getting more sleep. We also started an HSA several years ago and it has been great. We rarely go to the doctor so haven’t come close to hitting our deductibles (knock on wood). In the meantime, we have been able to save a good amount of money in the saving portion of the HSA. This year we only had to raise our deductible slightly to maintain the same monthly premiums.
    Brian @ Luke1428 recently posted..Investing Made Easy (Part II): When Should I Start?My Profile

  8. We are covered here in Ontario under OHIP and our employers provide full benefits to us for prescriptions, massage, physiotherapy, dietician, naturopath, dentist, eye-wear etc. We don’t really get to see the costs associated with our medical visits. At least we haven’t. So far I’ve been lucky and have only been to the doctor once but other than that I take good care of my body. Keeping healthy is a great way to start. Great post Kim!! Thanks for sharing this today.

  9. I recently took a client of mine to a dentistry school to have some teeth pulled. I was amazed by the level of technology at the school (far more technologically savvy than my dentist’s office). Made me think that the next time I need a cleaning I’ll go there instead. The upsides are you’re getting a lot of personalized care, in a professional setting, and the students are really eager to learn and do well. Plus if they “mess up” the profs are there to fix their mistakes.
    KK @ Student Debt Survivor recently posted..New York State of Mind or Maine-iac?My Profile

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