Does lack of health insurance keep you from getting your necessary exams?

Does lack of health insurance keep you from getting your necessary exams?

ShadowedSeductress ShadowedSeductress
In a little over a month I'll finally have health insurance. I'll be 20, but have never had any female exams done. I'm thrilled and grateful that my job offers the insurance, as I don't know how I'd be able to go to the doctor or dentist otherwise.

Does a lack of insurance keep you from getting your check ups done?
04/16/2013
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Gary Gary
I went 10 years without any Dr visits due to no insurance. Now that I am getting in better routines I will say that I have been lucky. I went 19 years without going to a dentist and only had 2 small cavities. (4 cavities in my entire life.)
04/16/2013
Gary Gary
Quote:
Originally posted by ShadowedSeductress
In a little over a month I'll finally have health insurance. I'll be 20, but have never had any female exams done. I'm thrilled and grateful that my job offers the insurance, as I don't know how I'd be able to go to the doctor or ...
Congratulations on getting insurance!
04/16/2013
ShadowedSeductress ShadowedSeductress
Quote:
Originally posted by Gary
I went 10 years without any Dr visits due to no insurance. Now that I am getting in better routines I will say that I have been lucky. I went 19 years without going to a dentist and only had 2 small cavities. (4 cavities in my entire life.)
I haven't been to the dentist in a few years and I hate it. I never had issues with cavities before but can tell now that I have one or 2. Thank goodness it covers all preventative measures though! That way I can get regular cleanings, and check ups with a doctor.

Thanks for the congrats, it's been a goal of mine to find a job that offers it as well as 401k and such.
04/16/2013
snowminx snowminx
I believe that 21 is actually the age they suggest to start getting pap smears so it's a good thing you have it now =) I've always just had insurance from my moms plan at work and being a college student I don't think I could if I wasn't covered also though it makes you pay a 30 dollar co pay for almost anything (I was once at the doctors for 2 minates to check on a cyst and I would usually have to pay the same rate if I was there for much longer) health stuff is just crazy sometimes!
04/16/2013
Sera26 Sera26
I'm happy for you. Yes, this has been an issue for me in the past.
04/16/2013
Sammi Sammi
Congrats on the insurance!

I think a lack of it can definitely stop you from getting necessary exams, and even necessary drugs - some of the prices are crazily high. We recently had to change insurance companies, and had to get a drug preauthorized before the insurance would cover it - thankfully they did, because if they wouldn't have, a one month supply would have been over $500 - which is completely insane, and something we would not have been able to afford.
04/16/2013
js250 js250
Definitely!! I need to get treated properly for my RA, but cannot afford to got to the specialist. There are other issues that need taken care of but they will have to wait until I can afford them.
04/17/2013
bog bog
Quote:
Originally posted by ShadowedSeductress
In a little over a month I'll finally have health insurance. I'll be 20, but have never had any female exams done. I'm thrilled and grateful that my job offers the insurance, as I don't know how I'd be able to go to the doctor or ...
Yes, unfortunately I'm unable to access medical care. Luckily, my health is good. It's kept me up worrying what would happen if I needed a serious procedure.
04/17/2013
Gunsmoke Gunsmoke
I'm recently unemployed - so uncovered. My wife works and has insurance - but we can't afford the extra premiums. So until I get a new job - I'll be managing without doctors and dentists.
04/17/2013
surreptitious surreptitious
Until last September when I stopped school, I was covered under my parents insurance. Since I live in Canada, I'm still free to go to the doctor's office or sexual health clinic at my leisure (I guess it's to make up for our shipping charges), but no longer having insurance has definitely stopped me from getting several services that I need. As my prescriptions are no longer covered, I can't go to the massage therapist or chiropractor, and I have chosen not to get necessary antibiotics twice (out of the three times that I've needed them) since I lost coverage. I have only had one dentist appointment since my insurance stopped, which I paid for out of pocket, but I don't think that I will ever forfeit that unless I have absolutely no way to pay for it. Hopefully I'll be going back to school soon and have insurance through that, because my back really misses the extra care.
04/17/2013
bayosgirl bayosgirl
No. I did go six years between female exams, but that was because I believed (and still kinda do) that I didn't need one, being that I'm monogamous and absolutely sure my partner is clean and faithful. I only recently had a pap because I'm pregnant and it's required when you go to the OB if you haven't had one in the last year. Even without insurance, if I truly believed I needed the exam sooner I would've gotten it for my peace of mind.
04/17/2013
SeductivelyCute SeductivelyCute
I didnt go the dentist because I didnt have dental and I was away at school, but now that I have it I def caught up on my appointments.
04/17/2013
pixiedustVixen pixiedustVixen
hell yea it does it really sucks not being able to take care of yourself the way you should. its so damn expensive to go see a doctor im like well just let me die if i get really sick coz no one can afford it
04/17/2013
Jenn (aka kissmykitty) Jenn (aka kissmykitty)
A lack of health insurance definitely gets in the way of exams, or even seeking medical treatment for serious illnesses. Due to work issues my husband and I lost our health insurance last fall; this past February we sucked it up and racked up a combined $500 in Urgent Care expenses to get treatment for pneumonia (mine was bad enough that my right lung was on the verge of collapsing).

Four days after that I wound up hospitalized for a perforated intestine, which required emergency surgery. $30k in hospital bills wound up qualifying us for six months of state-funded health insurance (that will also cover that $30k), so you better believe that as soon as the cards arrive, we're going to get every possible exam we can, lol.
04/17/2013
*Camoprincess* *Camoprincess*
My female exams are done yearly and NEVER put off. I can go to the local Health Dept. and get them free since I have no insurance and no income. I am trying to get medical insurance now for other medical problems I have that I don't have the money to pay out of pocket but I don't qualify for State Medical Insurance
04/17/2013
evie.amor evie.amor
Yes, I haven't been to the dentist in a couple years. I need to break down and go though, because a couple of my molars hurt when I eat sweet or cold stuff.
04/17/2013
Noelle Noelle
Quote:
Originally posted by ShadowedSeductress
In a little over a month I'll finally have health insurance. I'll be 20, but have never had any female exams done. I'm thrilled and grateful that my job offers the insurance, as I don't know how I'd be able to go to the doctor or ...
Yes and I need a complete physical. Haven't seen a dr in 3 yrs.
04/18/2013
spineyogurt spineyogurt
Yes
04/18/2013
Pete's Princess Pete's Princess
Yes. I have a high deductible plan and will only go if it is necessary. Several hundred dollars for a routine exam and tests is out of the question.
04/18/2013
Stagger13 Stagger13
Quote:
Originally posted by ShadowedSeductress
In a little over a month I'll finally have health insurance. I'll be 20, but have never had any female exams done. I'm thrilled and grateful that my job offers the insurance, as I don't know how I'd be able to go to the doctor or ...
Yes, unfortunately it happens.
04/18/2013
Trysexual Trysexual
Yes It has. Right now I don't have dental or vision coverage
04/18/2013
Pixel Pixel
Yup. I haven't been to a doc for 4 years, even though I really need to get prescriptions for certain meds.
04/18/2013
Real or memorex Real or memorex
Yes. It sucks.
04/29/2013
Total posts: 24
Unique posters: 22