I have an 18 year old who is in desire need of surgery. I cant aford insurance. what can I do?
346206
First off I'm very sorry and Second off get her on a prayer list at your church and if you don't go to a specific church then try calling a local church prayer list.. then ask that church for donations. start putting little buckets around your town with her picture on it with the information about her problem and people should start putting their extra change in while standing in line I will pray for you and your daughter God Bless!
509237
Just have it. The hospital, no matter which one you go to receives federal funding so legally they cannot turn any patients away based on their inability to pay. That being said, speak with the account representatives at the hospital you plan on having the surgery at and discuss the different payment options. They will work with you to decide on an affordable amount. But make sure you go to a doctor and make sure they decide that surgery is the only available option. You need to see a doctor if you haven't already. Don't try home  treatments as another user suggested. If you have a serious injury you could end up with more expensive and more painful injuries resulting from the non-treatment of the first injury.
345131
You could go to an emergency room.  They'll bill you or you can go to your local health department.  They can give you free or discounted services. Or you could contact your Department of Social Services.
390469
If you live in the US, go to the local hospital and tell them he needs this.  It might even work in other countries.  Many organizations can help with perscription drug costs.  And you might want to look into some insurance pretty soon.
378212
Good Luck, join the crowd of Americans with no insurance. Thank you Mr. Bush! There are state funded insurance you might qualify for, but they are usually closed to new patients. Or you can go to your city public health department, they can help you out.
97347
You can contact just about any insurance agency and they will help you select a company with the best price. Of course your father has to want the insurance, you can't just purchase a policy on him. More than likely the insurance company will want him to have a physical exam of some sort (they will tell you), and they use those results to determine how much the coverage will cost. Needless to say , the older you are, the more you will pay. However, the better your health is, helps to keep the cost down. Go thru an "insurance agency". They are listed in the yellow pages. An insurance agency will have several different insurance companies that they work with. For example, they \ncould have Hartford, Safeco and Travelers that they work with. Good Luck
1183963
First, check out health plans available through your college. If that doesn’t work, several major insurance companies have developed plans aimed at the so-called “young invincible” market – people in the 20’s. That’s a good thing since about a third of all recent college graduates don’t have health insurance. Two of the most prominent plans are from Blue Cross Blue Shield and UniCare. The BCBS plan is called the “Tonik Health Plan” and was originally developed in California, but is expected to expand rapidly. It features low premiums ($70-$135) and high deductibles ($1,500-$5,000). Another plan for men and women in your age group is from UniCare. Again, it started in Texas but is supposed to branch out to other parts of the country. It’s called “Sound” and has features similar to the BCBS plan.\n\nDepending on your age, you might be able to get coverage under your parent’s plan. Many states have extended the age that children can be included under their parent’s insurance policy. \n\nYou might also want to look into short-term medical insurance.  Typically, they last from a month to six months, although you can find short-term policies that last for a year. Short-term doesn’t offer the same range of benefits as longer-term insurance, but it usually helps pay for:\n\n· Hospital room and board\n· Ambulatory services\n· Intensive Care\n· Lab Exams\n· X-rays\n· Prescription medications\n\nThe best way to get health insurance information, though is from a qualified health insurance agent. Check out MostChoice.com. It’s a Web site that offers free policy descriptions and prices from health plans across the country. You can also get in touch with local area agents who should be able to answer your questions. There’s no cost and you’re not obligated to buy anything from the insurance agents, and MostChoice won’t use your personal information for any reason apart from matching you with health plans and health insurance agents in your area.\n\nYou can visit MostChoice here: http://www.mostchoice.com/health-insurance.cfm\n\nHope this helps,\n\nBarnes @ MostChoice.
543731
Everyone else gave you basically the same advice I would.\nYour surgeon's office should be able to help you with getting insurance approval. If they can't/won't, think about switching surgeons.  Or insurance companies. \nMy husband's companies insurance guy had originally said there was a "rider" which his boss would have to purchase for the whole company that would cover the surgery. We were willing to pay for that rider if it was just a few thousand dollars, and then the offer was withdrawn (probably because they didn't think we'd actually volunteer to pay!).  So find about that option. Even if it's $5,000, that's $19,000 less than the surgery. Look into supplemental insurance that you buy on your own that might pick up some of the costs.\nAs a last-ditch attempt, you can ask for donations from friends and co-workers.   If you work for a big company, try to get them to donate some money to you by saying how much healthier you will be after your weight loss.  Have a party to raise money--I've done it for other people (not for surgery)--have poker tournaments where the winner gets half the pot and you get the other half.  Find massage therapists and palm readers who will donate half or all their proceeds for treatments during the party.  Combine it with a Body Shop or Tupperware party and ask everyone to round up their payment and give it to you, and have the consultant donate part of the profits to your cause (you must have a friend who sells SOMETHING like this).\nYou'd be surprised how your friends and loved ones will rally around you if you show that you are determined to raise this money.
881562
I am not sure about the insurance you can get through AARP... however, he will not get most regular insurances because of a preexisting condition. His best bet is to go to an insurance broker. They are free and make their money when they sell the policy and see what the broker can come up with.
473728
You should go to the doctor.  You can either go to a free clinic that most cities have, although you might have to endure a long wait in a waiting room.\nOr try to sign up for your state's Medical Assistance (MA) plan of free or subsidized health insurance coverage.
384815
This is the problem with our country's health system - middle Americans are getting squeezed out.\n\nHere are a couple of options:\n1)  If she's in school have her talk to the administration.  There should be some kind of student health care or they should be able to point her to services\n2)  Research the nearest dental college - they probably will do it for free.\n3)  Go to the free clinic and see what they advise.\n4)  Ask her employer for an advance\n5)  Go to the hospital emergency room - if left untreated this will be a serious medical problem.\n\nGood Luck!
512657
While its true medicaid may not pay for it, but I am sure your doctor can make it seem as though if you do not get this surgery you will die. I mean its the only way they are able to get most insurance companies to pay for it, (more and more are not covering it).\nAlso there are banks/lenders that will loan you the money to pay for surgery, you only need check online or with your own bank.\nwww.capitalonehealthcarefinance.com \nwww.tangcompany.com \nare a couple I have found online. Also you can call your local hospital, or bariatric center to see if they know of a bank. I know often times Bank Of America does loans for some procedures, you may check them out as well. hope this helps you.
141238
What kind of insurance are you asking about?  If you are talking about medical insurance then she has to be enrolled into DEERS and in TRICARE. I would talk to your ID office to find out for sure.
81445
You need to get on medicare and medicade, Honey. Also, you might try posting on www.favorville.com. It's a site where people ask for and do favors for each other. Please apply for medicare if you need it. Also, if you need to go to the emergency room, they have to help you, insurance or not. God bless, and you're in my prayers.
1002737
Too expensive. What if you had surgery, then you got an infection, a serious one? The health unsurance plans in America stink royally. We the payers are getting the short end of the stick for the large Insurance bill. Really good insurance comes from your local farm bureau. Check them out!
368324
Get their own insurance.  Go to the hospitals get treated work out a payment program.  Hospitals are required to treat people even if they are indigent so us taxpayers pick up the bill anyway
823142
This is a repeated question but I will put my answer down anyway cause you may really need help.\n\nPlease visit your Member of Parliament for help. He/she will try to arrange for financial assistance. You can use Medisave, to pay for your operation fees which should be subsidized. Since cancer may need additional treatments like radiation and chemotherapy, maybe you like to stress these out to your MP or just ask the hospital for help. Your MP can also write to HDB to try to reduce your rents. There are always many schemes around, you just have to ask the right people.