I Have Health Insurance, But Can't Afford to See a Doctor

After rent, student loans, car payment, utilities, groceries and a bit of debt on a credit card, you can still afford health insurance. Not by much, but you've got it. Life is feeling pretty awesome.
But one Saturday afternoon you tear your ACL playing touch football with a group of friends. You are taken to the emergency room since you're in a lot of pain, and the doctor on duty tells you to stay off your leg, ice your knee for several days, and wear a knee brace for at least a month. You are in and out in less than an hour. A week later the bill arrives, and BAM. You owe over $1,500 for the ER visit, doctor's fee, X-ray and other miscellaneous charges. Since you have a low cost, high deductible health insurance plan (the reason you picked it in the first place), you have to pay the entire hospital bill out of your own pocket. And you have follow-up appointments with your general physician already scheduled in the future.
Where are you going to get that kind of cash?
High deductible health plans are commonplace these days because they are the most affordable insurance option. But many cannot pay for medical care because so much cash is required out of their own pockets before their health insurance kicks in. That's why it's time to start a conversation about supplemental health insurance.
Supplemental health insurance plans are not very well known, but they should be for several reasons. A supplement plan is insurance that helps pay for the unexpected accidents and critical illnesses of life that come up. It's a cash benefit, so if you have an accident, like tearing your ACL, you can get thousands in cash to help pay for your medical bills or pay the rent or supplement your income if you have to miss work.

There are varying levels of supplemental insurance plans, and you just have to figure out what type of coverage would best match up with your current health insurance plan. Typically people look at their deductible level to determine if they need $2,500, $5,000, $7,500 or $10,000 in coverage. Many supplemental plans also bundle other benefits into the package, like life insurance, disability insurance and a prescription drug card.

THE BEST PART – supplemental health insurance isn't expensive. An individual can get a policy for as little as $25 per month, and a family can start at around $40 a month. This "deductible insurance" traditionally never costs over $100 for the richest benefit plan.
This is insurance anyone can benefit from – employees with group employer coverage or individuals who buy their own Obamacare health insurance plan. There's little reason to ever pay big bucks for medical services ever again.