Getting emergency cash to pay for doctors’ appointments can be simpler than you may think, especially if you have health insurance. From financial assistance to taking out an emergency loan, below is everything you’ll need to know about the different ways to pay for doctors’ appointments.
Talk to Your Health Care Provider About Options
Whenever you receive your medical treatment/ or care, you can talk to the office staff about your inability to pay the funds right away. Many hospitals and clinics can work with their patients with payment plans through the office themselves, while other places may choose to offer financing through a third party like CareCredit.
Also, be sure to ask about a comprehensive billing statement to verify that all the costs add up. Keep in mind that visits to the emergency room or urgent care can be a little more costly than the average doctor’s office. A walk-in clinic can be a good in-between for same-day care while waiting to visit your primary care physician.
Look at Your Health Insurance Policy for Financial Assistance
If you have health insurance, then your insurance provider is going to be the first place you should start for financial assistance. When it comes to doctors’ appointments, most insurance companies will cover the majority of the cost, while you may have to pay a copay. Before going into your doctor’s office they will ask you for your insurance information, so they can contact them. Then they will let you know about what that copay will look like for each visit.
Keep in mind that any additional treatment and specialized treatment that isn’t normally included with your primary care physician may include medical bills. Depending on your insurance plan, these bills may be partially or completely covered. It will also be helpful to know there is an office visit cost along with treatment costs that can sometimes be billed separately.
Apply for Financial Assistance for Emergency Cash to Pay for Doctors’ Appointments
Due to the COVID-19 Pandemic, there are all kinds of health care services, even for uninsured patients through assistance programs that have been put into place by the federal/state/ local government, or through private non-profit groups.
Your hospital/primary care doctor’s office should also be able to provide you with resources that you can connect to.
Here are a few assistance programs that may help you take on the cost of doctors’ appointments:
State/Federal Gov Programs:
- The CARES ACT
- Temporary assistance for needy families (TANF)
- Medicaid /MEDICARE/ CHIP
- Supplemental Security Income (SSI).
- Contact your local social service office for more connections in your state.
A Few Private Organizations to Look Into:
- The HealthWell Foundation
- The Catastrophic Illness In Children Relief Fund
- CancerCare Copay Assistance Foundation
- The Pan Foundation
- Medical Billing advocates (although they may not be able to help cover the costs themselves. they may be able to lower health care costs or medical costs).
- The Leukemia & Lymphoma Society
- The CancerCare Co-Payment Assistance Foundation
As you can see some of these nonprofits specialize in certain diseases/ illnesses specialize in helping children, filter through potential options, and inquire for the ones that make more sense for the cause of your doctor’s appointments, for you or a family member.
Visit a Low-Cost Clinic or Hospital
Low-cost clinics/hospitals sometimes referred to as community clinics, are another great resource to seek healthcare when you are an uninsured patient or are looking for a cheaper option from the average costs. They can help with all kinds of medical issues, and usually offer more flexibility with repayment than the average hospital or clinic.
Think About Crowdfunding for Emergency Cash to Pay for Doctors’ Appointments
Crowdfunding can be a great way to raise funds for a cause. You can set up a goal you need and explain why you are looking for those donations (in this case medical bills). With platforms like GoFundMe, setting up can take a few minutes, and you can connect with your social media networks.
With crowdfunding, people you know, or strangers can donate as little or as much as they want. Although this can be a great way to get some extra funds, keep in mind that it’s not always fast, so consider this as a backup.
Look into a Loan to Get the Emergency Cash to Pay for Doctors’ Appointments
Another option for emergency cash is with a loan. Here are a few loan options that you can consider:
- Personal Loans. Personal loans can be used for all kinds of expenses. However, having a good credit score is going to be a requirement for eligibility.
- Payday Loans. Payday loans use the borrower’s paycheck as collateral. Generally, these loans are meant to be short term, paid back in about a few weeks or so.
- Car Title Loans. Car title loans use the borrower’s vehicle as collateral. Instead of good or fair credit history, you just need to have your own working vehicle, and the ability to repay the loan. If you’re looking for the best deal on an Auto Title Loan, let Max Cash Title Loans help you out!
- Credit Cards. Consider using a credit card to pay for medical expenses. However, beware that interest rates can add up with credit cards.
Why Start with Max Cash Title Loans for Emergency Cash?
When looking for a car title loan begin with Max Cash Title Loans! We are the #1 nationwide title loan marketplace, and so instead of giving out title loans ourselves, we find the best lenders out there and add them to our network. And then, when you reach out to us, we do our best to connect you with a lender that fits the kind of loan that you are looking for. 5
The lenders that we work with come with highly competitive interest rates, low monthly payments, and flexibility with repayment.4 Not to mention, they all go through a vetting process before being added to the network that we work with.
Max Cash Title Loans Application Process
Here is what the car title loan process will look like with Max Cash Title Loans and the lenders that we work with:
Inquire with Max Cash Title Loans
The first step of the car title loan process is going to be to inquire with Max Cash Title Loans, this can be done over the phone at 855-561-5626 or online. You’ll have to submit some basic information about your finances and your car.
Discuss Details with a Loan Representative
Once you submit the form, a loan agent from Max Cash Title Loans will get into contact with you, to discuss more of the details of what you are looking for, and try our best to match you with the right title loan lender, from our large network.5
Find Out Eligibility and Review Loan Terms
If the right car title loan lender is found, you can submit some documents and wait for the approval.
Once Approved Get Your Funds 1 2
Finally, once approved, you can review the loan terms, and if they seem right for you, you can go ahead and move forward. Funds can be made available through a transfer to a checking account, mailed to you, or picked up in person. 1 2
To get things started simply head to our website and apply for an online car title loan or give us a call at 855-561-5626. We are here seven days a week, to help answer any questions you may have, or assist you with the title loan process from beginning to end.