Healthcare Cheats For The Uninsured

When I was in the ninth grade, my dad lost his job and our family no longer had health insurance. I attended a private, religious school on a massive scholarship. Growing up among rich kids, I was mortified that I couldn’t go to the doctor. Because I’ve always struggled with anxiety when it comes to money, this embarrassment led to hypochondria. As soon as I could not longer get health care, I developed every ailment in the world. That’s when I started using my anatomy and physiology teacher Mr. K as a health-care provider.

“Hey Mr. K,” I’d say, poking my head into his lab classroom. “Let’s say I had some pain on the left side of my stomach like, right here,” I’d say, pointing to my lower abdomen. “Would that be like, my kidney and also what can I do to make it not hurt?”

“Mr. K, hey!” I’d say, my face pressed against the glass window of the teacher’s lounge. “If I have this weird bump on my knee and it hurts, should I just ice it or do I have knee cancer? Also, is knee cancer a thing you can have?”

“Gaby,” he’d reply, exasperated. “Once again, I am not a doctor. I can’t legally diagnose you.”

“Right,” I’d say. “But like, my ear is kind of ringing, and what if I have scurvy?”

Eventually my dad found another job and we had health insurance again. But my time spent with Mr. K taught me to be resourceful about health care. This came in handy recently, when I became part of the 25 percent of 18-to-25-year-olds who are uninsured. Here are some things I learned:

Use Living Social to see a dentist.

The same websites that offer discounted massages and gym memberships can also get you cheap dentist appointments. The only problem with these Groupon-type deals is they can be a way for the doctors offices to get you in and then scam you for more procedures. Stand firm. I checked over and over again that everything they were doing was covered by the coupon. It cost $80 for a teeth cleaning. The dentist tried to talk me into multiple other procedures, for $500 or more.

Don’t let them get you. Get in, get what’s on the coupon, and get out.

Find a therapist on a sliding scale.

I live with depression, anxiety, panic attacks and hypomania, and when I was uninsured, I thought that without health insurance I’d never be able to afford to treat my conditions.

I was wrong. A quick Google search of “sliding scale therapy nyc” led me to OCMH, a fantastic group that does therapy on a sliding scale according to your income. I see someone for 90 minutes for $80, or 60 minutes for $40, depending on how my week is going income-wise. I could see them for nothing at all if I’ve had a particularly rough week financially. My therapist is a psychology student working toward the hours she needs to graduate. I assumed paying less for therapy meant the care wouldn’t be as good, but that’s not true. It’s been a huge help and hasn’t taken the big chunk out of my bank account I thought it would.

Seek addiction treatment online.

My father is a recovering addict and alcoholic who, during the time my family was uninsured, spent most of his days at free Alcoholics Anonymous meetings. But for addiction recovery, there’s a newer free site called In the Rooms. It’s like Facebook for addicts and alcoholics, but the best feature is their video chat AA and NA (Narcotics Anonymous) meetings. Twenty-four hours a day, seven days a week, addicts who need help can log on and find someone to talk to for free. The site’s been a big help for my father and his friends who can’t afford rehab or medical services. The site isn’t a cure or a replacement for more comprehensive recovery methods, but it can help when there’s no other option.

Participate in clinical trials.

If you’ve got some time—anywhere from an hour to two weeks—and you’re not queasy about needles, sign up for a clinical trial. You can get a checkup from professionals for free—sometimes they even pay you. Before each test begins, the subjects must be checked by doctors for any outlier medical conditions. When I didn’t have health insurance, I would peruse like it was a Craigslist for health care. (I’d recommend not actually using Craigslist.) I’d stay away from anything too intense. Usually I ended up chickening out and just giving blood because I always feared I’d end up with fish gills on my neck and radioactive genitalia. This never happened to Robert Wohner, who wrote about how he spent two weeks at a clinical trial and made $2,000 for his trouble. Wohner was diagnosed and treated, for free, for high cholesterol and sleep apnea. (He also tested falsely positive for pericarditis, a common misdiagnosis in young African-American men, so it’s not a foolproof strategy.)

To find a clinical trial, go to the CT site, type in your city, the word ‘AND’ in all capital letters, and something you’d like to help with testing for, and the site will pull up all the trials that are actively recruiting. Scroll through, read the description (and the fine print) and email the doctors to sign up.

Take advantage of Planned Parenthood or a free clinic in your area.

If you are lucky enough to live in an area where you have access to Planned Parenthood or a similar clinic, it can be a godsend for people without health insurance. They offer sliding scale services.

Of course, going on birth control (the main reason I visited PP) can be pricey. My pill, Ortho-tri Cyclen Lo, costs $110 a pack without insurance. With insurance, it was only around $15. While I was without insurance, I went a full year without birth control pills, which I’d been prescribed at age 14 for severe cramps. This meant a year of feeling just lovely once a month, because I didn’t have a spare $110 for the pills. The only health care shortcut I tried was going on a more generic, less expensive pill, but my uterus is a fickle beast and only wanted that sweet, sweet OTC-Lo. If yours is more resilient, give another lower-cost pill a try. (Also look into the PP Pink Card, which gives you free services and significant discounts.)

Being without health insurance is incredibly stressful. A week before I was once again insured, I tripped on a Brooklyn sidewalk and my ankle swelled grotesquely. An X-ray would have emptied my savings. Luckily, days of icing and elevation did the trick. Ideally, we’d all have health care we can afford. Until then, there are stopgap ways to dodge the system and get some much-needed treatment. TC Mark

image – The US National Archives


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  • Nicky

    For the dentist, you can also try finding a dental school in your city that provides consultations, cleanings, and some other services like sealants for cheap or free. I only had to pay $20 for a cleaning, and got a complete set of sealants for free. The only catch is that the appoints can take 2-3 hours, because you’re worked on by a student and they have to have a teacher check them off after each step. I also had to go back for two appointments, but as it had been over 5 years since my last cleaning, and they were only charging me $20, I wasn’t really in a position to complain. It’s kind of a win for everyone, because the students need to work on a certain number of patients in order to graduate.

  • Bethanie the Wookie

    Thanks for the tips. As a 26 year old transitioning jobs this helps! I have lost my insurance and can positively not afford to pay the absurd amount that shit costs these days.

  • Connor

    Gaby, you da best.

  • witingbit

    What a practical article especially considering that most people whining about their lack of employment/being broke predicaments are usually on TC reading and identifying with these articles. Thanks, GD!

  • Cara

    so helpful!!! i will be uninsured starting next month… this will come in handy!

  • Luis

    Also I recently learned this:

    If you have an emergency visit at the ER, after your visit and you receive your bill, you can call the hospital and ask for a “CHARITY BED” application. Once you receive it you submit it back to the hospital and they’ll pay a LARGE portion of your bill. I believe Chairty Bed is donations made by wealthy families for uninsured persons. They won’t tell you about it, but it’s definately helpful. They covered 75% of my 2,000 bill 3 years ago. I’m also in CT so not sure if other states have similar benefits.

  • Joffré Leroux

    I have literally never felt smugger to be canadian.

    • Shirley

      As a Canadian, I have never wanted to move the States less.

    • Claire

      feel tyrian’s palms to your face

  • Becky To (@nawasaka)

    Come to London!

  • Kara-leigh

    Wow, holy crap that is screwed up, that you are EVER in that situation is terrible. Thank the universe I live in Australia, yay for medicare, may not cover everything but even without health insurance you can at least go to the doctor.

    • carmon

      Yep being an Australian is awesome.

      • Hannah

        As a fellow Aussie, I definitely took our healthcare for granted.

  • Björn

    I’m so glad that we have a great health care system here in Belgium.

  • Tony Ogeto

    Im from kenya and only very few of us have health insurance, what the other 90 something percent do is try to lead healthier lifestyles and herbal remedies for any ailments

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