Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble?
Patti B asked:
I just graduated college and my insurance ran out. I am taking a job that starts in September and will give me full health coverage 1 month after I start. I am a young and fairly healthy female, although I do have IBS and some other problems, mostly relating to the digestive system, reproductive system, and my skin. I eat a balanced diet and try to exercise regularly. I have only needed to visit the emergency room 3 times in my entire life.
When responding, please give me an informed answer, not just yes or no. Please also explain your reasoning.
Also, other than Aetna or Cobra, is there any other short-term insurance I can purchase?
Doctor’s answers especially welcome.
Thank you!
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41 Responses to “Is it safe to go without health/dental/Rx insurance from now until early Oct? Or is it too much of a gamble?”
no its not safe you could get in an accident tomorrow and need it my advise, get it as early as possible
I as well have IBS But I do not seek treatment for it I just deal with it. Also for reproductive issues you can go to planned parenthood or your local health dept for good but inexp. treatment. I am without insurance too. I only go to the doctor for my annual gyn visit. You should be fine with out it for a few months. Have your doctor write you a script for 90 days if you are taking anything currently or ask for samples cuz of no insurance most doctors will give you them cuz of no insurance. You could also look into auto owners companies and buy your own policy they are pretty inexp but that is only if you require treatment for the next few months otherwise I would say dont worry about it you will be fine without it. Hope this was informative enough for you
It is always a gamble to go without insurance. But I’ve done it for a longer period of time than you are planning. You might want to price out a short-term policy and see how much it costs. Compare that cost to the cost of an emergency room visit. Evaluate whether you would be able to afford the emergency room visit should you need it or whether you could better afford the short term policy and be covered in an emergency.
If you have car insurance see if you can add coverage for accident-related injury. That way at least you are covered for car accidents which would probably be the most likely thing that would land you in an ER. It is a gamble, but it’s one most of us have had to take at some time in our lives.
Also check into coverage offered by your state. Usually there is some kind of public program you can participate in… it may not be the best coverage but it might give you a little peace of mind for the next few months without the usually large premiums associated with COBRA coverage.
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