There are almost 28 million Americans without health insurance. During the Coronavirus outbreak, uninsured individuals are now at an all-time risk over their health. The first death of the COVID-19 virus occurred very recently, and the number of infected people grows daily.
The largest concern about the infestation isn’t a matter of life and death, but whether or not people have proper access to care.
Although the US is one of the wealthiest countries in the world with the largest access to healthcare, many of us don’t seek care when we’re sick.
This isn’t because we don’t have access to care, but because many do not have access to adequate health insurance.
What To Do if You Don’t Have Health Insurance
If you don’t have health insurance or access to regular healthcare, be sure to follow these tips:
- Refrain from touching your face, eyes, mouth, and nose.
- Wash your hands often and frequently with hot soapy water for 20 to 30 seconds.
- Disinfect objects you or others touch often such as keyboards or steering wheels.
- Stay home if you feel you’re becoming ill or feel unwell.
The CDC suggests that even if you feel only mild respiratory symptoms, you should stay home. If you do not have health insurance, consider applying for medicare or medicaid, as US law now legally requires you to get tested if you become sick, regardless of your ability to pay.
Short-Term Health Insurance
Short-term health insurance can be a solution for those who cannot afford regular care, but need coverage during the outbreak. These plans have low monthly premiums and high out-of-pocket expenses. They normally only last for a few months, but the Trump administration has allowed for short-term plans to extend up to a year. They typically don’t cover all Essential Health Benefits. But, if you feel a short-term plan is best for you, be sure to check that both laboratory services, and preventative and wellness services are included in your plan.
Essential Health Benefits
Even the most minimal health insurance policy can save you thousands. Not just in medical bills or testing costs, but knowing that all Essential Health Benefits will be covered. America’s current administration has recently announced that all COVID-19 tests are considered an essential health benefit. This means that no matter what coverage you have, you’ll have access to testing. Having even a little bit of coverage will also help if you need to take time off work because you feel unwell. Your employer cannot legally fire you or demote you if you have a doctor’s note.
The True Cost of Health Insurance
You are legally required to get tested for the COVID-19 virus if you become sick. Take as many precautionary measures as possible to reduce your risk of falling ill, and preventing others from becoming sick. Testing for the COVID-19 virus can cost you over $3000, and you risk infecting others the longer you put off being tested when you’re sick.
To know more about what your cheapest health insurance options are, or to see if you qualify for medicaid and medicare, call one of our partners at QuotePurple.