My son is 23 years old and was seen at the Shriners Hospital from age 5 to 20, tight heel cords. Two years ago he started having problems with his one ankle/foot again, and contacted the Shriners but because of his age they could not see him. He has no medical insurance, had to quit his job because of increasing foot pain, did see an orthopod doctor here who did surgery on his foot with a plan for him to pay when he can. He started physical therapy and was doing fine for about a month, then the pain started to get worse and his knee started to hurt. His physical therapist told the doctor, but the doctor just wanted him to continue therapy which he did. Finally his therapist told the doctor he needed to see someone for his knee because he was almost certain it was a miniscule tear. He had to see a different orthopod for the knee, who wanted an MRI done, but because he has no insurance they would not do it without a down payment of $1000. He does not have this, and I certainly don't, what do we do? He can't get Medicaid, no disability, and of course can't go back to work because he can barely walk. He needs help and I just do not know what to do or where to turn. Can someone help please? Thank you.
Other than acute life threatening emergencies, without health insurance, most providers can & do refuse providing services until all or a part of the payment is collected upfront.
Since medical underwriting is allowed in ND, someone who is undergoing treatment for a pre-existing condition or a potentially related condition, is likely be declined for traditional private individual insurance. However the formal declination letter is what you need to apply for a plan through Comprehensive Health Association of North Dakota (CHAND). CHAND provides coverage to individuals who were declined individual coverage due to pre-existing health issues. For more details about CHAND you can visit their website at www.chand.orgcall or call them toll free at 1-800-737-0016.
By estimating the overall risk of healthcare expenses, a routine finance structure (such as a monthly premium or annual tax) can be developed, ensuring that money is available to pay for the healthcare benefits specified in the insurance agreement. Affordable health insurance plans available from Blue Cross California, Blue Shield, and top health insurance carriers. Health insurance quotes are instantly available online for you to review.
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