Walk in Clinics
In North Dakota there are a number of clinics that will work with you if you don’t have insurance. They have limited hours due to the fact that they are most likely volunteers. I know one of the clinics in Minot, ND is only open on Mondays. The link with this post will give a list of all clinics that participate in the program in ND. If you are in another state and would like to know where there is a free clinic just google free clinics in (your area). You can call the phone number for the clinic and get details. Ask them a couple basic questions.
1. What is the cost for being seen, if any?
2. What types of services does the clinic offer?
3. Do you know of any other Doctors or clinics in the area that offer services for the uninsured or underinsured?
So many people say the phrase “I’m broke but I’m happy”. I want to argue that depending on the reason you are broke, you may not be happy. Let me give an example. If you bring home a paycheck that helps pay the bills for your household the family expects and anticipates that income. Let’s say you work construction for a living and are on a nature hike with the boy scouts for the weekend. If you break your ankle and get laid up on the couch for a month, will you be happy? Most people can’t afford to fall behind on paychecks. Once you do playing catch-up can take a whole year or mean bankruptcy.
I contend that you don’t have to be broke when laid up on the couch with a little additional pre-planning. If you don’t have money in the bank, or don’t want to use that money to pay bills when you can’t work, think about purchasing a disability policy.