I have no Health Insurance and I think I broke my ankle. What can I do?

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Asked September 19, 2011

1 Answer

Without medical insurance, your options are limited. Regardless of what you may have heard, however, you do have a right to medical attention. Go to your nearest public emergency room and explain your situation. Public hospitals are not allowed to refuse treatment based on a patient's ability to pay, but they probably won't move you to the front of the waiting list. The best option is to get health insurance, even if you have to rely on government sponsored insurance.

Medicaid is a federal medical insurance that is usually managed at the state level. If your income and personal assets are below certain state-set minimums, you can qualify for Medicaid insurance. To apply, contact your local Medicaid office, and present your most recent pay stub, your most recent tax return, and statements from your bank or other financial institutions, including statements for any stocks, bonds or annuities that you own.

Some churches and other civic organizations may be able to provide you with help as well. Contact your local Salvation Army and ask them about any assistance programs in your area. If you are a member of a church, talk with the pastor. If you are enrolled in an unemployment program, contact that agency and ask them where you can turn for assistance. If you were recently laid off and did have health insurance, you may be covered under the COBRA act, which requires insurance companies to extend coverage for as long as 18 months, provided you pay the premiums.

And it probably won't help you now, but consider shopping online for a health insurance plan. You can use a free website to get a customized health insurance quote, and then compare that cost of the policy between multiple insurers without leaving the site. Free insurance quotes use secure connections to protect your privacy and the information you use will never be disclosed to third party companies or other agencies.

Answered September 19, 2011 by Anonymous

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