Navigating the System

Empower yourself as a patient, and learn how to get the most out of your benefits. Each plan is different, so this section of our guide will help you understand what it is that you should look for when you receive your insurance information.  This section will help you navigate the health care system when you need care.

Topic Area: If you're uninsured

I don’t have insurance but need health care services. What should I do?

If you don't have health insurance, paying for care can seem overwhelming. If you need care, it is important that you get medical care before you get worse. There are many resources available to help you.  Start now to get the coverage and care you need.

  • In a medical emergency, go to a hospital emergency room. They will not deny care or treatment. Remember the emergency room is for true emergencies, not routine care.
  • Try an urgent care clinic or walk-in clinic. Call ahead and ask how much a visit will cost. Compare cost estimates for office visits on NH HealthCost
  • When scheduling an appointment, tell the doctor's office that you are uninsured and ask if discount rates are available. If discount rates aren't available, or are too expensive for you, call other facilities in the area, as some provide less expensive care than others. You can sort cost results by the uninsured discount offered on NH HealthCost
  • Many healthcare facilities and providers offer payment plans. Check with your provider.  If they do, paying a little over time can help make the care more affordable.
  • For prescription medication, ask for drug samples or a generic (it will be lower cost than a brand name drug).
  • Laboratory tests can be necessary and expensive, but you can choose where you get your test. The cost of lab tests differ quite a bit. You can search for the cost of common tests on NH HealthCost to compare the average costs of lab test in the NH by facility.

Resources for those with limited income

Call for information at 1-800-852-3345, ext. 5218 or 603-271-5218



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