5 Ways to Live Without Health Insurance
It is fair to say many people harmed by Obamacare are glad to see it going away. That being said, the means by which we obtain insurance and pay for medical care also had problems before this law made everything worse. As prices for medical care continue to rise and dangerous drugs continue to be exposed for what they are, it becomes even harder to justify paying sky high premiums, deductibles and copays. Without the albatross of a personal mandate to carry health insurance, you can use the following methods to live without it.
Bear in mind, however, if you have extensive medical problems, or you have a family history of catastrophic health problems, you will either need to find coverage sooner or later, save enough money to pay for your care, or do without conventional medicine altogether. Needless to say, as a prepper considering what will happen to medical care in the event of a social collapse, the last option may be a cause for concern that you may already be taking steps to overcome. That being said, it still takes some work and willingness to learn if you are going to live without health insurance and conventional medicine in the pre-crisis world.
Learn How to Grow, Process, and Use Herbs
Before modern medicine came along with all of its antibiotics, cholesterol lowering drugs, and other synthetic formulas, people relied on herbal remedies. Sadly, if you look at herbal preparations these days, they are usually highly concentrated pills or liquids that you only take once or twice a day. By contrast, historically, these herbs were taken as mild teas several times a day, or some other method that involved lower concentrations of the herb over time. It will be to your advantage to choose a handful of herbs that you know you can grow on your own and propagate from one generation to the next. From there, don’t worry about making high concentration formulas. Instead, study how these herbs were prepared historically and make sure you know how to use those methods of preparation.
That being said, if you want to cover all your bases, creating essential oils will offer you the highest herbal concentrations and the best storage options. Just remember this will take a lot more plant material, and you will need to make new oils every 6 – 12 months (depending on the herb) in order to ensure potency and prevent rancidity.
Insofar as actually using the herbs to treat your own medical conditions, it is best to test them out slowly and take time to make sure you got everything right. For example, if you are going to use garlic or oregano to get rid of a cold instead of get an antibiotic, you can start off with pre-made oils or pills from an herbal store. Once you know it works, and you aren’t allergic, then you can move on to making your own formulas. Do not hesitate to check with your doctor and get tested to make sure you successfully cleared the infection.
See What Discounts Medical Schools and Teaching Colleges Have
Many people are surprised to find out that medical students make excellent health care providers in the year or two before they take their licensing exams. During this time, they are watched carefully by professors who are also active doctors in their field of specialty. In exchange for working with you in a live treatment scenario, the college will often give you a substantial reduction in cost. For example, dental procedures that would normally cost thousands of dollars may cost well under $500.00. If you need more extensive care and a low income, some colleges also offer a discount scale based on your income level. Since the college must meet all the standards of an actual medical office or hospital, you will get a level of care that meets the legal criteria for your area.
Learn How to Find and Use Alternative Remedies
While there is a tangible cause and effect relationship involved with herb use, other alternative healthcare methods are not so easy to prove scientifically. Binaural beats, Reiki, meditation, faith healing and prayer are all methods frowned upon by conventional medicine. Nevertheless, people have successfully rid themselves of everything from cancer to heat disease using these methods.
As with herbal remedies, you will find that there are people who are determined to try and fit alternative healing into a conventional medicine paradigm. Sadly, as with herbs, these systems aren’t conducive to modern profit making schemes. While a alternative medicine person can offer a great deal in the way of advice, tips and techniques, your own intuition will do more either for good or bad. Always take the time to research carefully and never lose sight of what you feel at a core level. If you feel something isn’t working, or its wrong, chances are that is what is true for you. Never hesitate to look into another system or work with someone else.
It should also be noted that as modern science loses its ability to self judge its efficacy, fails to get away with fudged data, and loses its arrogance in the face of mounting evidence about the brain-body connection, these methods may one day become standard medical practice. Until then, you can always use alternative healing methods as co-therapies and see if they help. Used with balance and a discerning perspective, there is a chance these methods will work for you; perhaps even better than conventional drugs and treatments.
Enroll in Discount Prescription, Dental, and Medical Care Plans
Have you ever gone to pick up a prescription and were shocked to find out it would cost several hundred dollars? A discount prescription, dental, medical, or eyecare plan can reduce those bills by 30 – 80%. In fact, there are many discount prescription cards that you can find for free at your local doctor’s office. Other fee based plans include more comprehensive discount packages on a larger number of medical services.
Some medical discount plans also include telephone and video based medical consultations. For example, if you have a cold, you can call the number specified on your service plan and have a doctor call you back. From there, if your symptoms warrant it, the doctor will call in a prescription to your local pharmacy. Not only do you get care without having to wait for a conventional doctor, all your calls may be included in your monthly fee of around $12.00 – $20.00. Compare that to sky high deductibles, premiums, and copays.
Together with this, there is a new era coming in the way coupons and cash back programs work. Typically discount programs will only work for drugs ordered by prescription. On the other hand, if you routinely use over the counter drugs, you can enroll in free coupon and cash back program apps. Many of the larger pharmacies also have membership cards that include cash back rebates. In some cases, you may save anywhere from 30 – 90% on your over the counter drug expenses. If you choose a cash back program, this money may be refunded to you via Paypal, or you may accrue credits on your membership card.
Find a Sliding Scale Clinic
Sliding scale clinics work similar to medical colleges. The only difference is you won’t necessarily be receiving services from a medical student. Instead, the clinic is staffed by fully licensed providers. These clinics may be subsidized by state and federal grants as well as private donations. Depending on your income, they will only charge a certain amount of money per visit, and any medications you may need.
If you live in a major city or a more highly populated area, you may also find more specialty clinics. For example, in many areas, there are clinics that cover dental care as well as primary medical needs. Other areas may also have OBGYN and other specialty clinics that you can go to for more complicated needs. Overall, you will find the care you receive there is more or less compatible with what you would receive at a full priced medical office, but with fewer frills and simpler office arrangements. That being said, if your goal is to get by without health insurance, these clinics offer real value at a more affordable price.
Contaminated food, air, and water make developing catastrophic illness a matter of when you will get sick, not if you will get sick. This, in turn, means that you will need to be concerned about health care options in the face of skyrocketing insurance and medical care costs. While there can and will be times when you need the advice of a competent doctor, that does not mean you have to go bankrupt or put off other purchases just because of the cost of healthcare. When used with consideration and attention to your personal health, these methods can help you cut costs and remain in as good a condition as possible for as long as possible.
*A Scott Hughes Original For Freedom Prepper!
**Featured picture from LinkedIn.