Financial Tip #1 – Uninsured? Try These!

I think I will start a series of financial tips. These have worked out well for me and mine, and perhaps they can help you as well.

I’ll post them as I think of them.

Uninsured? You Are Not Alone

Health coverage is EXPENSIVE, folks. And if you are thinking that you are the only one without it, think again.

Right now our little family is without any coverage due to my husband’s change in jobs. I hope that will change in a few months, but I’m not holding my breath. The last job he had, his medical was paid 100%, but if he had added us on? It would have been $1,000-$1,200 per month.

Who can afford to pay 1/3 of their salary for medical coverage?

I mean, seriously, we complain about Europe having higher taxes, call some of their medical plans crap, but WE are the ones paying some of the highest amounts in drug prices, insurance and more.

So I, along with many others here in the U.S., do a little dance with the devil. We assess our health, hope it will continue to be good, and take our chances.

Here are some ways you can mitigate the risk…

Walgreens and Other Doc-in-a-Box Locales

Walgreens and/or CVS often have a registered nurse on staff in their minute clinics. Designed to handle very basic issues, I’ve had rather good luck with them, especially for sinusitis, poison ivy exposure, and ear infections.

They are not as good for internal issues. So keep that in mind.

Groupon for Dental? Who Knew?

As I was checking my email this morning, I ran across a Groupon for dental services. That’s rather brilliant!

Many folks do not know that you can (and should) negotiate dental care. By offering cash, you can often see a discount on services. But seeing this Groupon was a first for me, and rather brilliant, since I have not had a dental exam in over four years!

Dr. Guerschon de Laurent at Kansas City Dental is offering an exam, cleaning and x-rays for just $49 each. I bought two, one for me and one for Dave. The kiddo recently had a cleaning, exam, and even a filling so she is set.

As a bonus, I ran this through my Barclay Card Rewards portal and received 4x the points for every dollar I spent!

For those of you who are open to alternative, Eastern medicine, Groupon often has acupuncture services. You can often find yoga packages for sale as well.

Concierge Medical Care

Concierge medical care has been on the rise as of late. I love the concept and will probably invest in this if my husband’s new medical coverage is too expensive.

If you have never heard of it, KSHB recently ran a piece on it.

Concierge care is NOT considered a substitute for having medical insurance when filing your taxes (no tax break there at all) but is great if you are not as healthy as you would like to be and can’t afford one of the high deductible health care packages available through the Marketplace.

For $50-$125 per month, you get a basic annual health screening and usually unlimited office visits. In addition, you can get drastically reduced prescription medicine prices.

Check out some of these providers websites for more details:

And those are just a few.

One Last Thing

I didn’t mention vision care, did I? Well, that is an issue as well. A lesson I have learned all too well in the past two years as my perfect vision has degraded. I use reading glasses right now, but the time for prescription glasses is quickly approaching.

I will report back after I’ve done some research on it.

Stay tuned!

UPDATE: I decided to take the plunge and signed up for Concierge (also known as Direct Primary Care) Care with Kansas City Direct Primary Care. It will cost me just $65 per month and I added Emily on for another $15.

Let me say that again – for $80 per month, Emily and I have 24/7 access to a primary care doctor as well as unlimited office visits and more. If she or I have anything that requires treatment by a primary doctor, we can email, call or schedule an office visit – at no additional cost.*

*Lab fees and prescriptions cost extra, but they are far less than what you would pay at a pharmacy. More on that later.

I don’t anticipate needing that much health care. In other words, I could probably keep on dancing with the devil and hope for the best. But I’ll take this opportunity and run with it. It will take away the massive levels of stress I have when faced with the incidental illnesses that come with daily living and it also means I can begin to focus on my health more.

My initial appointment is set for later this month. It will be the first doctor I have seen in over four years. Stay tuned for updates!

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