Multiple Locations in Jacksonville, St. Augustine, & Fernandina Beach, FL

No Health Insurance? Here Are Your Options!

If you have no health insurance, you are not alone.

by Cecilia (Geej) Williams

Yes, it is that time of the year when we have to worry about our health insurance.  Were you planning to stay with your current health insurance plan? Have you visited healthcare.gov and chosen your options yet? Or you have no health insurance and are you planning to get one—finally? Or, wait a minute, you have no health insurance and are not planning to have one at all!

If you have no health insurance, you are not alone.

No Health Insurance: Options

NUMBER OF PEOPLE LIVING IN THE U.S. WHO HAVE NO HEALTH INSURANCE

In statistical studies conducted by the Kaiser Family Foundation [1], by end of 2016 about 28 million people under age 65  living in the U.S., or roughly 10% of the population in that age level are uninsured.

According to the study, below are the percentage categories of people that are uninsured:

  • 6.4 million – Eligible for Medicaid or other public healthcare program but did not pursue it
  • 5.4 million – Undocumented immigrants
  • 5.3 million – Eligible for ACA/Obamacare tax credits but did not enroll in the program
  • 4.5 million – Declined employer’s insurance offer (but are therefore ineligible for Obamacare)
  • 3.0 million – Ineligible for financial assistance under ACA/Obamacare due to sufficiently high income
  • 2.6 million – Income was above the Medicaid eligibility limit but below the threshold for subsidies on the ACA exchanges (44% to 100% of the federal poverty level or FPL)

TYPES OF PEOPLE THAT ARE UNINSURED [2]

According to the same study, 80% of the uninsured were low-income families below 400% of poverty rate.

Forty-four percent (44%) of the uninsured are non-Hispanic White (16.6 million), 33% are Hispanic (8.9 million), 15% are Black (4 million), and 5% are Asian/Hawaiian/Pacific Islander (1.36 million).

If you and your children are part of the statistics above, this article is for you.

The primary reason why people do not subscribe to health insurance plans is because health insurance is simply unaffordable.  Even with Obamacare, which has helped democratize the health care system and allowed for more people to be insured, statistics show that a large percentage of the population still cannot afford health care, and those who have health plans have very high deductibles.

Many of us who cannot afford the monthly payments for a health insurance have somehow survived the many years without having one.  Many of us got lucky.  But we never know when our luck runs out.  So it is very important to always stay on the defensive—health-wise—and prepare for an eventuality—money-wise.

OPTIONS FOR THE UNINSURED

You do have a variety of options to help your uninsured status.  Let’s discuss them one by one:

1.  Negotiate

It is important to be forthright about your financial status.  Ask the health care provider if they will give you a discount because of your limited income.  Many health providers welcome low income patients as long as proof of low income is shown, and you will sign the necessary paperwork.  Sometimes, instead of a discount, you will be given a payment plan.  Take this option; let them know how much you can afford to pay every month, and keep to your promise of paying.  Also let them know if you can’t help but miss a payment.  For as long as you show truthfulness, willingness, and integrity to make your payments, everything will be fine.  But do not let months pass before you express your intention to pay.  You can be sent to a debt collector agency in just 30 days.

2. Go to Government Clinics, Urgent Care Clinics, Non-Profit Hospitals, and/or Primary Care or Dental Clinics with Membership Benefits

A lot of preventative, immunization, basic treatment, maternity and/or basic medical consultation services are available for free or for a small fee in government-funded clinics.  Ask around, search the internet for your nearest government-funded clinic.  You may also find a health center in your area here.

Most urgent care clinics will offer discounts to cash-paying patients. They also have family packages, and payment plans.

“Non-profit hospitals must provide you with emergency medical care regardless of your ability to pay.[3] ”  Precisely because of the nature of their organization, they are “able to write off a certain portion of your bill and/or help you set up low payment plans if you are able to provide them with proof of your income.[4]

Some Primary Care and Dental clinics have membership subscriptions where you pay a small monthly flat fee in exchange for unlimited preventative, primary care, and dental services.  Membership may also come in the form of medical/dental card discounts instead of unlimited services. See if any of the primary care clinics near you provide these benefits.

3. Check if you’re eligible for Medicare

Remember that when you’re age 65 and over, you can be eligible for Medicare.  If you and/or your spouse have worked for at least 10 years and have been paying Medicare taxes, then you certainly are eligible!  So watch that year when you turn 65!  If you have not been paying Medicare taxes, start now!  It’s only a few dollars off your wages.  And if you’re not sure about your eligibility, check out this website.

4. Check if you’re eligible for Medicaid

Medicaid is a government-funded health program for people with low-income. Eligibility varies from state to state, so check your local Federal or State health center.  And Medicaid coverage can be retroactive up to three months, if it is applicable to your status.   Here is the goto place for Medicaid info.

5. Do not forget the children!

The Children’s Health Insurance Program, more popularly known as CHIP, is the Medicaid counterpart for kids.  Again, eligibility varies from state to state but have higher income guidelines. Check the CHIP out here and here.

6. Buy a Short-term Health Insurance Plan

If you’re traveling, or suddenly have a (not yet regular) job where you think a health insurance plan will really come in handy, you might want to consider buying a short-term health policy.  Short-term health insurance plans run as short as one month.  This is also especially helpful to cover the gaps between health insurance plans acquired from jobs, and when COBRA rates (usually) end up un-affordable.  COBRA (Consolidated Omnibus Budget Reconciliation Act) allows the “continuation of group health coverage that otherwise might be terminated.[5]

No Health Insurance: Options

7. Check your Employment’s Workers Comp

If you’ve been hurt at work, check if you have Workers Comp.  A lot of companies do.  Ask your Human Resources department.  Workers Comp helps pay for medical consultation and treatment when you’re injured at work or acquire an occupational illness.  Check this page for more info on Workers Comp.

8. Open a Health Savings Account

A Health Savings Account (HSA( is just like a bank account.  You deposit X amount of money into a bank health savings account as often as you are able to.  But you are only able to withdraw it if it goes towards the payment of a qualified medical expense.  They can also be used to pay for your deductibles, and thus are always paired with a low-cost, low-premium health insurance plan.  The wonderful thing about an HSA, is that the funds roll over.  If you didn’t get to spend them this year, they’re just in the bank waiting, being rolled over year after year, and growing.  Another kind of HSA is the 401k type where the money can be invested and so will grow exponentially as long as you stay healthy and you don’t use it!  Even better, your HSA contributions are tax-deductible or pre-tax (if through payroll deduction).  More and more individuals are taking to HSAs as the prime alternative to health insurance plans.  Many of the local banks provide HSA account services Learn more about HSAs here and here.

9.  Check out your local dentistry and medical schools

Schools often provide free health services as part of their students’ trainings. Check your local schools and see what they have to offer.

10. Ask for free samples or check out those generic drug programs

Doctors will always have samples of prescription drugs.  Ask for samples to start you off.  Then check out the pharmacies at Target, Walmart, CVS, and Walgreens, etc. for their generic drug programs or prescription discounts. Always ASK before you pay.  You never know what kind of discounts or programs or samples are in the offing.  Search online for free or discounted prescription drugs.

11. Combine a high-deductible policy with an accident and/or disability policy

Especially for the young: if you are generally healthy, live a healthy lifestyle, and you think the chances of you needing medical treatment are very slim, then get a high deductible policy.  Then combine it with an accident and/or disability policy for an additional $30-40 a month.  The accident policy would cover the only likelihood (you think) that you may end up needing medical treatment for—an accident—which we constantly face everyday as we commute from our homes to our workplace and back.  What’s more, the accident policy always comes with a life insurance.  The disability insurance policy helps with your lost income while still in treatment, and also helps with paying for your health care.  It’s a perfect combination.

12. Join a Medi-Share community

Primarily a Christian endeavor, Medi-Share is a system whereby Christians  share a monthly contribution to the community, and use this accumulated contribution to pay for a member’s eligible medical bills.  What’s great about this system is that all members who subscribe are exempted from the taxes and penalties associated with not having a health insurance.  Here is an example of a Medi-Share system, explained thoroughly by Christian Care Ministry.

13. Stay healthy

This is the best health insurance plan—stay healthy. Read up on all the simple health exercises that you can do, and the simple healthy foods that you can eat.  I have been told once by a woman suffering from obesity that she became the way she was because they were poor—all they could afford to eat was corn chips and fast food! I can never understand this, of course, because you can buy vegetables for less than a dollar, while a bag of chips costs at least $3 and a small burger costs at least $2. Check out this article by our chiropractor, Dr. Deric D’Agostino, on his view of a healthy diet.

FOOTNOES
1 “Health insurance coverage in the United States,” Wikipedia, accessed 11/27/2017
2 “Key Facts about the Uninsured Population,” The Henry J. Kaiser Foundation, accessed 11/27/2017
3 “No Health Insurance? There is Help and Hope!” Your Healthcare Information Guide, accessed 11/27/2017
4 “No Health Insurance? There is Help and Hope!” Your Healthcare Information Guide, accessed 11/27/2017
5 “Employee Benefits Security Administration: COBRA Continuation Health Coverage FAQs,” United States Department of Labor, accessed 11/27/2017

REFERENCES
“5 Alternatives to Traditional Health Insurance By J.B. Maverick,” Investopedia, accessed 11/27/2017
“6 Ways to Pay Medical Bills With No Health Insurance” By Miriam Caldwell, The Balance, accessed 11/27/2017
“7 Ways To Stay Healthy Without Health Insurance,” Blackdoctor.org, accessed 11/27/2017
“Employee Benefits Security Administration: COBRA Continuation Health Coverage FAQs,” United States Department of Labor, accessed 11/27/2017
“Health insurance coverage in the United States,” Wikipedia, accessed 11/27/2017
“Medicare and CHIP Coverage,” Healthcare.gov, accessed 11/27/2017
“No Health Insurance? There is Help and Hope!” Your Healthcare Information Guide, accessed 11/27/2017
“Options for People With No Health Insurance” by Shelley Frost, Livestrong.com, accessed 11/27/2017
“Quick Facts: United States,” United States Census Bureau, accessed 11/27/2017
“Who is Eligible for Medicare?” U.S. Department of Health and Human Services, accessed 11/27/2017

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Request Appointment with our Doctors

Allamm Morales, M.D.
Neurologist

Dr. Allamm Morales has over 15 years experience in personal injury and a wide range of neurological disorders. He has privilege, and provides patient care in local Baptist hospitals.

He was Chief Resident at the Neurology Residency Program of the University of South Florida, and worked at the Florida Hospital of New Smyrna, and St. Luke Hospital in Ponce, Puerto Rico. He also served many years with the Florida Neurology Institute, Inc.

Dr. Morales is a Diplomate of the American Board of Psychiatry and Neurology.

Dr. Morales studied in Nova Southeastern University, Davie, FL, had residency at the Caibarien General Hospital, Cuba, and obtained the MD degree at the Superior Institute of Medical Science in Cuba.

Fiaz Jaleel, M.D.
Physical Medicine & Rehab, Pain Management

“Life is short and precious. As a Physiatrist and Pain Physician my goal for my patients is to reduce their pain and suffering, enhance form, improve function and ultimately promote the best quality of life for that individual.”

Dr. Fiaz Jaleel graduated from the University of The West Indies in 1987. He completed a two year internship at Port of Spain General Hospital in Trinidad and Tobago. He completed his internship in Internal Medicine at St. Francis Hospital in Evanston, IL and went on to do a residency in Physical Medicine and Rehabilitation at Barnes Jewish Hospital in St. Louis , MO. In 2007, Dr. Jaleel joined the team at Absolute Injury and Pain Physicians as Medical Director. He is currently Board Certified in Physical Medicine and Rehabilitation as well as Pain Medicine via the American Board of Pain Medicine.

In Trinidad and Tobago, Dr. Jaleel held positions as an Intern, House officer, and District Medical Officer. He has also practiced in Illinois, Missouri, South Dakota and Central and North Florida.

While practicing in Trinidad , Dr. Jaleel also worked in Internal Medicine, General Surgery, Pediatrics, Neonatology, Obstetrics and Gynecology, Ear, Nose and Throat Surgery, Ophthalmology, Radiology, Neurosurgery, Plastic Surgery, Orthopedics, Emergency Medicine and Community Medicine.

Dr. Jaleel has encountered many diseases, disorders and clinical situations related to multiple aspects of trauma including penetrating and non-penetrating injuries, motor vehicular accidents and concomitant injuries including intra-abdominal injuries, closed head injuries, fractures and burns.

When not treating his patients, Dr. Jaleel enjoys travelling, reading and spending time with friends and family.

Dr. Jaleel has the following affiliations:
Diplomate, American Board of Physical Medicine and Rehabilitation
Diplomate, American Board of Pain Medicine
Fellow, American Academy of Physical Medicine and Rehabilitation
Member, American Academy of Pain Medicine
Member, Florida Society of Physical Medicine and Rehabilitation
Member, Florida Academy of Pain Medicine
Member, Florida Medical Association

Deric L. D’Agostino, D.C.
Chiropractic Physician

“The health of a body is in direct proportion to the health of its nervous system. The nervous system controls every cell, tissue and organ in your body, tap into that and “miracles” will most certainly happen!”

Dr. Deric D’Agostino attended the Logan College of Chiropractic and has been helping patients at Absolute Injury and Pain Physicians for the past nine years. Around here we call him “Dr. D.”

Dr. D’Agostino specializes in Koren Specific Technique and in the treatment of injuries resulting from motor vehicle accidents. He is a master of his craft and firmly believes that chiropractic treatment can not only help the body but also the mind. His sense of humor and the personal attention that he provides really puts patients at ease.

Dr. D’Agostino genuinely listens to the patient while working very hard to erase their pain-inducing symptoms. He is always seeking out continuing education and new methodology to add to his care repertoire.

When he is not helping patients find relief, Dr. D’Agostino enjoys training for sprint triathlons, gardening, as well as being an awesome father and husband. You will most likely find him at our Arlington location dawning a huge smile while drinking his homemade juice.

Vimal Reddy, D.P.M.
Podiatrist

Dr. Vimal Reddy has over 18 years experience in podiatric medicine and is a fellow at the American Academy of Podiatric Sports Medicine. Dr. Reddy currently serves at the Baptist Hospitals.

Dr. Reddy went to Jacksonville University on a University scholarship where he was a consistent Dean’s Lister. He finished his medical degree in podiatric medicine at the Barry University School of Podiatric Medicine in Miami Shores in 2001 where he was given the William Delavari Clinical Excellence Award and the Podiatric Merit Scholarship.

He had his PSR-24 Surgical Residency in Michael Reese Hospital, Chicago, IL and proceeded to practice podiatry continually from 2007 to present. He has vast experience handling personal injury, sports medicine, and DEA controlled substances. He was Chief of Podiatry at St. Vincent’s Medical Center Southside, Chief Resident at Michael Reese Hospital, PSR-24 and worked at Advanced Podiatry, Dr. Jondelle Jenkins DPM and Associates, and St. Lukes Hospital. He later founded the First Coast Foot & Ankle Clinic.

Dr. Reddy is a member of the American Podiatric Medical Association, the American Academy of Podiatric Sports Medicine, the Florida Podiatric Medical Association, and the American Academy of Podiatric Practice Management.

Kristy Donnelly, D.C.
Chiropractic Physician

“After suffering a lumbar disc herniation in college, the injury helped me to understand the pain that my patients are going through and to be able to offer them hope and communicate every stage of the healing process to them.”

Dr. Kristy Donnelly received her Bachelor’s degree from Saint Vincent College in Latrobe, PA and her Doctor of Chiropractic degree from Palmer Chiropractic College in Port Orange, FL. She is also certified in Impairment Rating for Disability Evaluation according to 6th edition AMA guidelines.

Dr. Donnelly is able to offer her patients a well-rounded approach to their health due to her certification as a nutrition coach as well as a personal trainer. She encourages all patients to ask questions to ensure that they are a part of their care and understand the healing process. Dr. Donnelly has also taught Anatomy at Florida State College at Jacksonville and taught fitness classes in college. Dr. Donnelly’s local affiliations include the Junior Service League of St Augustine, the St Augustine Lighthouse and Homes for our Troops.

In her spare time Dr. Donnelly enjoys exercising, going to the beach, travelling, and playing the saxophone.

Kunal Thakkar, M.D.
Otolaryngologist

Dr. Kunal Thakkar is an Otolaryngologist certified by the American Board of Otolaryngology.

He was President at the Advanced Ear, Nose, Throat Associates, LLC and Otolaryngology physician at Wilkinson Snowden Otolaryngology Consultants, P.A..

Dr. Thakkar trained at the University of Illinois at Chicago where he became Chief Administrative Resident after 4 years. He went to the University of Illinois at Chicago College of Medicine, Chicago, IL where he gained membership into Alpha Omega Alpha (AOA). He took undergraduate degrees in Biological Sciences and Psychology at the University of Illinois at Chicago where he was inducted into Phi Beta Kappa.

Dr. Thakkar’ clinical studies and researches were published in several publications, including Otology & Neurotology Journal, Ear Nose Throat Journal, Respiratory Medicine Journal, Otolaryngologic Clinics of North America, American Journal of Otolaryngology, Laryngoscope, and International Journal of Pediatric Otorhinolaryngology.

Luz F. Senan, D.C.
Chiropractic Physician

Dr. Luz Senan earned a Bachelors Degree in Natural Science from the University of Puerto Rico and graduated Cum Laude. She then attended the University of South Florida where she earned a Masters Degree in Gerontology. Dr. Senan finished up her education in Kansas City by earning her Doctor of Chiropractic Degree from Cleveland Chiropractic College, where she also graduated Magna Cum Laude.

Dr. Senan’s prior work experience includes being a geriatric case manager and mental health counselor in Clearwater and St. Petersburg FL. Additionally, she is fluent in Spanish.

Dr. Senan’s background as a counselor in combination with her attention to detail assist her in making the best treatment choices to fit her patient’s specific needs.

Dr. Senan has training in Chiropractic Biophysics and Post Graduate Education in Impairment Rating for Disability Evaluation. She is currently a member of the Florida Chiropractic Association(FCA) and the Florida Chiropractic Physician Association(FCPA).

In her time off, Dr. Senan enjoys spending quality time with her daughter as well as reading, antiquing and flea market shopping.

Sanjay Trivedi, M.D.
Interventional Pain Management Physician

Dr. Sanjay Trivedi received his medical degree from J.N. Medical College, AIMS, India and received training in general surgery from Seton Hall University in New Jersey. Dr. Trivedi furthered his medical training by studying physical medicine and rehabilitation at Kingsbrook Jewish Medical Center and David Minkin Rehabilitation Institute in Brooklyn, New York. Dr. Trivedi also worked at Harvard Medical School and the Spaulding Rehabilitation Hospital Spine Center in Boston, Massachusetts.

Dr. Trivedi has special training in interventional pain management, electrodiagnostics and musculoskeletal medicine. He has extensive experience in the fields of acute and chronic spinal pain management, acute and chronic pharmaceutical pain management, musculoskeletal and joint pain management and personal injury rehabilitation and care.

Dr. Trivedi has worked and served in various cities and communities in Florida.

Long Van, D.C.
Chiropractic Physician

“If you can’t take care of the people around you, how can you take care of others?”

Dr. Long Van has a Bachelor’s Degree in Biology University of North Florida and graduated from Palmer College of Chiropractic in 2010. He has also earned his certificate 150hrs of study in Nerve Conduction Velocity(NCV) and Electromyography(EMG). Jacksonville has been his home since 1996 and originally joined the team at Absolute Injury and Pain Physicians as an intern in 2008. Dr. Van is currently associated with the Florida Chiropractic Physician Association (FCPA).

Dr. Van has experience in helping the human body function properly through a natural approach. Over his time with Absolute he has worked with many forms of injuries primarily focusing on treatments for motor vehicular accident injuries and sport related injuries.

When Dr. Van is not treating patients, he enjoys reading up on new information concerning medical conditions and associated treatments available. He also enjoys spending time with his family doing just about anything as long as they are healthy and happy.

Dr. Van was raised to always respect his family members and therefore family values are very important to him. Dr. Van believes that you should take care of your family because one day they may have to take care of you. He possesses this same mentality concerning his patient care strategy and strongly believes that he should respect all people through his words and actions.

Antoinette Davis-Williams
Practice Manager

Antoinette Davis-Williams joined Absolute in 2007. She first worked as a Certified Medical Assistant and worked her way up to Practice Manager. Antoinette is hands on with our multiple clinics and interacts with the patients on a day to day basis. She has over 15 years in customer service, has great verbal communication skills, is very dependable, and has an inner passion for helping others. These qualities make her an outstanding face of the company and has her helped build the close professional relationships she has today.

Antoinette enjoys spending quality time with her family, which includes her husband and son—traveling and making memories. She was born and raised in Jacksonville and loves her community.

Vandana Patel
Finance Manager

Vandana Patel has been with Absolute since mid-2017. She is a firm believer in the notion that “Quality is not an act, it is a habit. ”

Vandana completed her undergraduate Physics degree and additional programming courses in India. She moved to the United States in 2004 with her husband. She has a rich history in finance management as she and her husband owned a small business for 12 years prior to joining the Absolute team.

She is a proud mother of two sons with her husband, a civil engineer who works for the city. Her youngest is currently finishing up high school at one of the nation’s top schools and the eldest is finishing his undergrad in Engineering at the University of Florida. Her hobbies include spending quality time with her family, exploring nature and cooking. She also enjoys volunteering in the Indian community.

Meena Patel
Marketing Director

Meena Patel is the Director of Marketing at Absolute injury and Pain Physicians. She has worked at Absolute for over 10 years.

Meena came to the U.S. with her family when she was two years old. Most of her childhood years were spent in Chicago. As a young girl, she always wanted to help people and that’s why she decided to major in nursing in college.

When she finished nursing school, she went to work for Sturgis Hospital and Lake Side nursing home. Her family was also in the Dunkin Donuts business, so she would help them out when she got the chance.

Meena met her Prince Charming at Disney in her college years. They dated long distance for four years before finally getting married in 2003, and moved to Florida.

She went into marketing after getting married, where she continues to enjoy meeting new people—she is, after all, a people person.

She has a wonderful caring husband with whom she has two amazing boys—Aryan, 12 years old, and Arnay, 8 years old; and Rosie, the 8-month-old puppy. Meena works part time due to the boys’ busy schedule. She loves to travel and see the world, spending time with the family, and going to the beach.

Cecilia B. Williams
Online Marketing & Web Manager

Cecilia Williams (aka Geej Williams) joined RCMA in 2015 as Accounts Manager, and later as Online Marketing Manager. In 2020, she was promoted to Director of Operations and HR.

Before coming to the US in 2011, Cecilia worked in the field of communications and trainings—organizing and conducting staff development, popular education, and leadership trainings for government and non-government entities. Cecilia has almost 30 years’ experience as a web and graphic designer, and 10 years doing SEO, SEM, and SMO work. She has also worked as Executive Assistant-cum-Web Manager for a nurse triage company before joining Absolute.

Cecilia has also been doing project-based online translation work for a language translation company in Maryland since 2008. On the side, she is also a thespian, a singer-songwriter playing alongside her husband Mark Williams.

Haidar Karam
Senior Marketing Executive

Haidar Karam has over ten years of customer service experience. Prior to joining Absolute, Haidar was working as a Military Contractor where he was involved with the Marine, Army and Navy branches in North Carolina teaching culture diversity to newly-enlisted soldiers. He also very briefly worked as a car salesman for Chrysler Jeep and Dodge.

Haidar enjoys the beach, watching football, and working out at the gym.

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Dr. Claudine Aguilera
Pain Management Physician

Dr. Aguilera went to Tufts University School of Medicine in Boston, MA, and later to Kaiser Permanente Oakland Medical Center & California Pacific Medical Center to specialize in internal medicine, particularly pulmonary and critical care. She is also a hospitalist in St. Augustine.

Dr. Harsha Patel
Chiropractic Physician

Dr. Patel studied Chiropractic at Life University in Marietta, GA. She proceeded to own and head a Chiropractic clinic in Bloomfield, NJ for over 13 years before she and her family moved to St. Augustine this year.

Rebecca Morris, ARNP, FNP-C
Pain Management, Regenerative Medicine

Rebecca went to Chamberlain College of Nursing for her BSN and Maryville University for her nurse practitioner program. She has vast experiences in personal injury, pain management, regenerative medicine, primary care, home health, sports medicine, telemetry, critical care & psychiatric care.

Rebecca loves to exercise, sing, and play her guitar.