I'm not sure what to do. I'm a healthy 25 year old grad student. Until I was 23 I was covered by my step-father's work plan and by my father's military benefits.
For the past two years I have been uncovered and I have no insurance. Since I am healthy, at the moment, this isn't a real problem, but I would like to get some coverage.
My problem is that I can't afford to pay for health insurance. I have quotes from companies give me amounts anywhere from 400 a month to a 1,000. I am unemployed, a full-time grad student, and I have student loans up the wahzoo. I just don't have the money to pay for the insurance and the quality of what they are willing to give me is subpar at best.
I am not pregnant, have no kids, and I'm not working so I can't qualify for my state, Texas, women's health plan. I have no major medical expenses so I don't qualify for medicaid or is it medicare (gets the two programs confused).
There are no free-clinics so I can't get any basic tests, such as physicals and what not done.
The only option that I and my folks see is trying to make some kind of payment arrangement with a local doctor and dentist (I need a crown to be replaced, a tooth to be pulled, and some fillings). Other than that, I see no option to be able to get medical coverage.
Do you have any suggestions?