I don’t have health insurance and I need surgery, what should I do?
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Feb 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Feb 28, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
If you don’t have health insurance and you need surgery you may be able to get some financial relief by scheduling your surgery with a hospital that works with uninsured patients. Your other option is to work out a payment plan with the doctor and hospital prior to scheduling the surgery. An option you do not have is to buy health insurance after you have been diagnosed. Health insurance needs to be well in place, sometimes a minimum of three months, before it will pay for any major medical procedures. To get insurance quotes now just use the rate tool! Some people wonder if health insurance is necessary for healthy people who don’t frequent doctors’ offices. The answer is a very simple yes. While it is true that if you are healthy and you are paying for health insurance without ever needing it your premiums are not getting used, if you ever do need to use it you will want to have it. Just getting a chest cold and needing to see a doctor is not extreme, but if you don’t have health insurance and you need surgery you could be facing some very scary decisions. Elective surgery is not covered by any health insurance, so you will always pay for that out of pocket. Medically related surgery, however, is not usually optional so if you need to have surgery you are going to have to pay for it.
Catastrophe Health Insurance
Since insurance rates are expensive many people have difficulty affording it. In order to have health insurance with lower premiums, people frequently opt for catastrophe health insurance only. Other people who choose catastrophe health insurance are relatively healthy people who choose not to pay for basic health insurance and just take their chances. Catastrophe health insurance is basically any health insurance plan that has a very high deductible and only really pays valuable benefits in the event you are hospitalized. As an example, you may have a health insurance plan with a $2,000 deductible and 30% co-pay after your deductible is met. A visit to the doctors’ office may or may not be included in your plan, and if it is it will probably only qualify after your $2,000 deductible gets paid. So this plan is not conducive to minor illnesses and routine visits. However, if you are hospitalized and require surgery, chances are your bill can easily add up to over $6,000 for just one night in the hospital. Now your catastrophe health insurance becomes of value. After you pay your $2,000 deductible you are left with a $4,000 balance, of which 30% is your responsibility and the remaining 70% of it will be paid for by your health insurance plan.
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Uninsured Hospital Care
While the cost of health insurance rates seem high, the cost of uninsured hospital care is much higher. If you don’t have health insurance, or even catastrophe health insurance, and you need to have surgery you will need to weigh all of your options. Surgery is expensive and most people cannot afford to pay for it out of pocket. Almost every state offers some type of assistance for low income level residents. Check with your state health department to see if you qualify for any of its programs. There is also usually a limited number of not for profit hospitals in every region that agree to provide hospital care for a certain number of patients who do not have health insurance and cannot afford their hospital care. As soon as you know you need surgery, you need to locate a hospital that may be able to assist you. If the surgery is not an emergency, then you have time to go through the application process and try to find different hospitals who may work with you. If the surgery is an emergency perhaps your state department or doctor can recommend the best path for you to take. Either way, you need to work out your financial situation with the hospital prior to the surgery if that is at all possible. Another option with many hospitals is to work out a payment plan prior to your surgical procedure. Your hospital bill cannot be totaled until after you are released, since the number of nights you need to stay may be unpredictable as well as the different attention that may be required during your visit. (For more information, read our “What shows up on a health insurance bill?“).
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Buying Health Insurance
It is crucial to obtain health insurance while you are healthy. Most health insurance plans disqualify pre-existing conditions from coverage, so if you are diagnosed with an illness requiring surgery before you buy health insurance your plan will not pay for it. This could also be the case if you are diagnosed shortly after purchasing your health insurance plan. If you are diagnosed with cancer within weeks of getting health insurance there is a good chance that your health insurance will not cover your surgery for it. If you buy health insurance and shortly thereafter have an accident that results in your needing surgery, then your health insurance will most likely pay for it. That is because it was an accident and unrelated to any pre-existing condition. Before buying any health insurance plan, look over all conditions of the policy to see what is covered and what is not covered so that you know what your benefits really are. Not having health insurance when you need surgery can be very daunting. Once you are told you need surgery it is too late to buy insurance for that procedure. You may be able to find assistance through your state department or a not for profit hospital, or you may qualify for reduced rates as an uninsured patient. The best thing to do is to be prepared in advance and always have health insurance so that it is there when you need it. Having health insurance also helps you take a proactive role in your health, which can help reduce some ailments and even some surgeries. Enter your zip code to compare online insurance quotes now!
Case Studies: Seeking Surgery without Health Insurance and Strategic Solutions
Case Study 1: Exploring Financial Assistance Programs In this case, Sarah found herself in need of surgery but lacked health insurance coverage. She researched local hospitals and medical facilities to inquire about financial assistance programs they offered. After providing documentation of her income and financial situation, Sarah was able to qualify for a hospital’s financial assistance program. As a result, a significant portion of her surgical expenses was covered, reducing the financial burden and ensuring she received the necessary care. Case Study 2: Negotiating with Healthcare Providers John faced the need for surgery without health insurance. He reached out to the healthcare providers involved, including the surgeon, anesthesiologist, and hospital billing department, to discuss his situation. John explained his lack of insurance and proposed negotiating a reduced rate for his surgery and related services. By advocating for himself and exploring options, John was able to secure a more affordable payment plan and lower overall costs for his surgery. Case Study 3: Seeking Out Charitable Organizations Mike, who did not have health insurance, researched charitable organizations that provide medical assistance to individuals in need. He discovered a nonprofit organization that assists uninsured individuals with surgical procedures. Mike applied for their assistance program, providing the necessary documentation and explaining his situation. The organization reviewed his case and approved financial assistance, covering a significant portion of his surgical costs. Case Study 4: Exploring Government Programs Emily, without health insurance, researched government programs that might offer assistance for her needed surgery. She found out about a state-funded program that provides medical coverage for low-income individuals. Emily submitted an application for the program and met the eligibility criteria. As a result, she qualified for coverage, enabling her to have the necessary surgery without bearing the entire financial burden.
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Frequently Asked Questions
I don’t have health insurance and I need surgery. What can I do?
You can explore options such as scheduling surgery with a hospital that works with uninsured patients or negotiating a payment plan with the doctor and hospital.
Is health insurance necessary for healthy individuals who don’t frequently visit doctors?
Yes, it is important to have health insurance even if you’re healthy. It provides financial protection in case of unexpected medical needs, such as surgery.
Will health insurance cover elective surgery?
No, health insurance typically does not cover elective procedures. However, medically necessary surgeries may be covered depending on your insurance plan.
What if I can’t afford surgery without insurance?
You can check if you qualify for assistance programs offered by your state health department or seek treatment at not-for-profit hospitals that provide care for uninsured patients.
Can I buy health insurance after being diagnosed and still have it cover my surgery?
No, health insurance needs to be in place before being diagnosed or undergoing major medical procedures. It’s important to obtain coverage while you are healthy.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.